IDFC Bank FIRST SWYP Credit Card
IDFC Bank FIRST SWYP Credit Card from IDFC FIRST Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 499 | Reward type: Reward Points | Best for: Movies, Travel, Shopping
IDFC Bank FIRST SWYP Credit Card Overview
IDFC Bank FIRST SWYP Credit Card is an IDFC FIRST Bank credit card. Zlash checks boosted categories like partner brands along with caps and exclusions.
Best For
IDFC Bank FIRST SWYP Credit Card is most useful when your spends regularly fall into partner brands.
Rewards
partner brands
1x the base reward rate.
Not Good For
- Spends in excluded categories such as cash withdrawals, utility spends, fuel transactions.
- International transactions if you need low forex markup; this card lists 3.5% markup.
- Users who cannot recover the annual fee through rewards or card benefits.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 5,000.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 5,000 in a monthly period for benefit value around Rs 50.
- Spend Rs 10,000 in a monthly period for benefit value around Rs 125.
- Spend Rs 15,000 in a monthly period for benefit value around Rs 250.
- Spend Rs 20,000 in a monthly period for benefit value around Rs 100.
Zlash Verdict
Choose this card when movies, travel, shopping match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IDFC Bank FIRST SWYP Credit Card?
The listed annual fee is Rs 499.
What is IDFC Bank FIRST SWYP Credit Card best used for?
IDFC Bank FIRST SWYP Credit Card is most useful when your spends regularly fall into partner brands.
Does IDFC Bank FIRST SWYP Credit Card have reward exclusions?
Yes. The extracted exclusions include cash withdrawals, utility spends, fuel transactions.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.