IDFC FIRST SWYP Credit Card

Welcome Benefits:

1. Receive a complimentary Lenskart Gold membership upon successful payment of the joining fee. 
2. Earn 1,000 Reward Points on the first EMI transaction within 30 days of card issuance. 
3. Attain a one-year Times Prime membership on spends exceeding Rs. 30,000 within 90 days of card issuance. 

Free Railway Lounge Access:

1. Enjoy four free railway lounge accesses each quarter, totaling 16 complimentary visits annually. 
2. Avail benefits like unlimited tea and coffee, two hours of lounge stay, a comfortable AC seating area, free WIFI, and one free buffet meal. 

Movie Offers with Paytm:

1. Get a 25% discount, up to Rs. 100, when booking movie tickets on Paytm using the promo code IDFCCCFM. This offer can be utilised once each month.

UPI Enabled:

1. Conduct UPI transactions with the FIRST SWYP Credit Card and earn 100 Reward Points on spends exceeding Rs. 5,000. A nominal charge of Rs. 199 + GST per annum applies for utilising this feature.

Roadside Assistance:

1. Through Global Assure, you receive roadside assistance (RSA) worth Rs. 1,399 four times a year.

Fees & Charges

FIRST SWYP Credit Card Rewards Program 

1. Earn Reward Points based on your monthly spending milestones. 
2. Gain 200 Reward Points for monthly expenditures reaching Rs. 5,000. 
3. Receive 500 Reward Points for monthly spending totalling Rs. 10,000. 
4. Attain 1,000 Reward Points when your monthly spending reaches Rs. 15,000. 
5. Additionally, obtain 400 Reward Points with a minimum rental spend of Rs. 20,000 in a month. 
6. The conversion rate is Rs. 0.25 for one Reward Point. 

Note: Milestone Reward Points are not cumulative, meaning that expenditures of Rs. 17,000 will only yield 1,000 Reward Points. Please be aware that cash withdrawals, utility expenses, and fuel transactions do not contribute towards monthly milestone spending.

EMI Conversion Function on the FIRST SWYP Credit Card 

You have the flexibility to convert transactions or balances exceeding Rs. 2,500 into convenient EMIs with your FIRST SWYP Credit Card, accompanied by a monthly flat fee for EMI conversion.

Key Points:

1. No additional interest charges or processing fees are applicable, except for foreclosure fees if applicable. 
2. The monthly EMI conversion flat fee is dynamic and dependent on the transaction amount and tenure selected during EMI conversion. 
3. GST will be applicable to the monthly EMI conversion flat fee. 
4. The first EMI will be billed on the statement date immediately after post-EMI conversion. 
5. FIRST SWYP Cardholders can initiate EMI conversion for their transactions either at the bank's OTP page for online transactions or by posting the transaction on their IDFC FIRST mobile banking app. Alternatively, they can use the customer contact centre for assistance. 
6. Eligible balances in statements can be converted into EMIs using the IDFC FIRST mobile banking app or through the customer contact centre.

Benefits of Referring the IDFC Bank FIRST SWYP Credit Card 

When you refer the IDFC FIRST SWYP Credit Card to friends and family, you stand to gain significant benefits and rewards. Presently, you can accumulate benefits worth up to Rs. 11,299 through successful referrals.

Achieve these milestones and enjoy the exclusive benefits while introducing the IDFC FIRST SWYP Credit Card to your network.

Additional Discounts with Featured Partners

Experience added savings with the IDFC FIRST SWYP Credit Card, offering exclusive discounts and deals on a monthly and quarterly basis. The current roster of featured partners is detailed below, though please note that these partners may change periodically.

Dominos Offer:

1. Enjoy a 20% discount, up to Rs. 80, on orders exceeding Rs. 299.
2. Avail of this offer twice every month.

EaseMyTrip Offer:

1. Receive a 10% discount, up to Rs. 500, on hotel and flight bookings surpassing Rs. 5,000.
2. This offer is accessible once per quarter.

Tata CLiQ Offer:

1. Instantly save 10%, up to Rs. 100, on purchases surpassing Rs. 999.
2. Valid once each month.

Zomato Offer:

1. Get a 10% discount, up to Rs. 100, on orders exceeding Rs. 299.
2. This offer is available twice a month.

Seize these exclusive opportunities to maximise your savings while enjoying the benefits of the IDFC FIRST SWYP Credit Card.

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