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IDFC FIRST Bulletin

Enjoy Zero Charges on 28 Commonly Used Savings Account Services

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Enjoy Zero Charges on 28 Commonly Used Savings Account Services

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Enjoy Zero Charges on 28 Commonly Used Savings Account Services

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Enjoy Zero Charges on 28 Commonly Used Savings Account Services

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Savings Account with industry best 7% Interest

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Introducing

Credit card Get it all. Get it now

Instant delight with instant discounts, all year round! Get the card at just ₹499.
Avail 20%off on six feature
partners right away!

Buy anything you want,
just with a single SWYP!

Split it into Easy EMI or
pay in full

Invite your peeps
to join the
SWYP TRIBE!

Get rewarded more with
each successful referral.

No account
with us, yet?
No Problem!
Get rewarded
with each
successful
referral

Get Yours Now Know More

Apply now

Apply for Credit Card Online - Select the Ideal Card to Suit Your Lifestyle

Welcome to IDFC FIRST Bank, where finding the right credit card is effortless. We understand that every individual has unique financial needs, which is why we offer a wide selection of credit cards designed to suit various lifestyles and preferences. Choose from a variety of credit cards that offer never-expiring reward points, cashback, travel benefits, and much more. The application process is seamless—apply for a credit card online and get instant approval. With IDFC FIRST Bank, you can apply for a credit card that not only meets your needs but also provides the flexibility and benefits to support your financial journey. Discover your ideal credit card now.

You decide everything
Right from managing the
way you SWYP to the way you repay

Easy EMI

Breeze through your
bills with
flexi
payment options.
For flat fee starting
from just ₹49 p.m

Pay in full

Prefer settling what
you
owe in one go?
Go for it!

Know More

Convert balances or transactions into easy EMIs with a flat monthly conversion fees & no other processing charges. Merchant EMIs can be availed on exciting interest rates!

Welcome Offers

100% guaranteed

2000 Reward Pointsworth ₹500 on spending ₹5,000

1000 Reward Pointson your first EMI conversion

Travel discount couponsWorth ₹1500 as a welcome offer

Travel discount couponworth ₹2,100 as a Welcome Offer

Free Gold Max MembershipOn payment of Joining Fees

Know More

Activate UPI on your
FIRST SWYP credit card

New digital card instantly issued
Linked to your existing credit card with shared limit
Joining fee of ₹199 + GST and Annual fee (2nd year onwards) of ₹199 + GST
Limited Period Offer: 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
Limited Period Offer: 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
Rewards on UPI spends every month: 100 Reward Points on monthly UPI spends of ₹5,000 or more
Know More

Activate Instantly

Featured Partners

Bringing you brands you love

Click on your favourite brand to know more

Get 10% off up to ₹100 on orders above 299

Twice in a month

Zomato

10% instant discount up to ₹100 on purchase above ₹999

Once in a month

TATA CLiQ

20% instant discount up to ₹270 on orders above ₹1,250

Once in a month

SUGAR Cosmetics

20% off up to ₹80,on orders above ₹299

Twice in a month

Dominos Pizza

10% instant discount up to ₹500 on flight or hotel bookings above ₹5,000

Once in a month

EaseMyTrip

10% off up to ₹500 on purchase of ₹3000

Once per month

Nykaa

20% off on hotels and 10% off on flights

Once per category per month

Goibibo

10% instant discount up to ₹50 on orders above ₹499

Once per month

Zepto

Know More

Get amazed with FIRST SWYP

Simply SWYP or select

20% instant discount
on Dominos

10% instant discount
on PVR

10% instant discount
on TATA CLiQ

10% instant discount
on zomato

Get complimentary
Lenskart Gold
Membership for 1 year,
worth ₹600

Annul membership on
spending 30k*

1000 reward points on
1st EMI conversion

Refer and earn
benefits worth ₹11K+

View All At Once Know More

Get amazed with FIRST SWYP

20% instant discount on Dominos

10% instant discount on PVR

10% instant discount on TATA CLIQ

10% instant discount on Zomato

Lenskart free gold membership for 1 year worth ₹600/-

Annual membership on spending of 30K*

1000 reward points on 1st EMI conversion

Referral

Total Benefits
per Annum
₹25,000+

Don’t worry, you get
all rewards anyway!

Apply Now Begin Again

More delight with more SWYP, guaranteed

You get 200 reward
points on your
monthly spend of

> ₹ 5,000

You receive 500
reward points on your
monthly spend of

> ₹ 10,000

You enjoy 1000 reward
points on your
monthly spend of

> ₹ 15,000

You enjoy 2000 reward
points on your
monthly spend of

> ₹ 30,000

You enjoy 4000 reward
points on your
monthly spend of

> ₹ 60,000

Know More

*Terms & Conditions apply

Monthly Milestone Rewards not applicable on Rental, Cash Withdrawal, Fuel & Utility transactions.
400 Reward Points on minimum rental transaction of ₹20,000 every month. 1 Reward Point - ₹0.25

And it doesn’t stop there…

1% fuel surcharge waiver

Complimentary Roadside assistance worth ₹ 1399

4 complimentary railway lounge access

Personal accident cover of ₹2 lacs

More merchant offers on allyour favorite categories,all year round!

Know More

Spread the word and bump up
your SWYP TRIBE!

Benefits worth ₹ 4000 +

Basic

Refer 1 Subscription Fee
Waived Off

Know More

Get a sneak-peek* of your card*

See how your name appears on the card

Preview

Know More

Disclaimer: This is for representation purpose only

MANAGE YOUR SWYP PAYMENTS

EMIfy your eligible balances before your payment due date

Make sure to pay your net total payable every month by your payment due

Clear your Total Payable by the payment due date to avoid late payment fee or your card from being blocked

Know More

Go on, it’s yours for the taking!

Enter your basic
personal detail

Tell us about your
work

Complete your
instant video KYC
(if required)

Get your card

Get Yours Now Know More

Issuance of our Credit Card is subject to the bank's internal assessment and is at the sole discretion of IDFC FIRST Bank

It’s a rewarding life with FIRST SWYP!

Rack up benefits worth ₹25,000+ every year for
an annual subscription fee as low as ₹499 + GST

Click here to know more

EMI Privilege

SWYP for rewards on
Monthly eligible spends

Merchant Offers

Get your Tribe on SWYP
and win big benefits

Milestone Rewards

Year-long discounts
on featured partners

Referral Benefits

Flexible payment
plans starting from 3-month tenure

Get Your Card Now

Earn rewards on flight & hotel bookings

Download the IDFC FIRST mobile banking app and get amazing rewards

Zero convenience fees on all flight bookings (no conditions)
Earn 20 bonus Reward Points on every ₹100 spent on hotel booking
Seamless experience In-app convenience, booking experience

Read terms and conditions

Download the app

Scan the QR Code to get started!

How to book your flight and hotels

Step 1

Step 2

Visit Travel and Shop

Step 3

Click flight or hotel booking

What customers are talking about FIRST SWYP!

I have won reward points on one of their programs. I really like it. Each month there are reward points run by the bank. I recommend IDFC credit card to everyone.

Jayesh Panchal (Vapi Gujarat)

FIRST Millennia Customer

December 11, 2024

The good thing about the reward points is that you can use it against any spends or for a specific voucher. So overall I am pretty happy.

Lokesh Kamani (Pune)

FIRST Wealth Customer

December 11, 2024

While many banks are devaluing reward points, as compared IDFC is improving its rewards program. On top of that they also give reward points for lifetime.

Jasvantsinh Rathod (Gandhinagar)

FIRST Wealth Customer

December 11, 2024

I applied online and the card came seamlessly to me. I really like the reward system and the ease of converting the points to a lot of other vouchers.

Litesh Jethani (Mumbai)

FIRST Wealth Customer

December 11, 2024

You can use these Reward Points on any online transaction so I am very happy to use it.

Sachin Kumar (Delhi)

FIRST Select Customer

December 11, 2024

As compared to other banks the reward points are the best. Anytime IDFC offers are better than other cards. It’s my high usage card

Sagar Vaniya (Surat)

FIRST Millennia Customer

December 11, 2024

FAQs

What is First SWYPCard?

FIRST SWYP card is flat fee based EMI + charge card that is designed for the GenZ. The card is loaded with merchant offers and discounts across GenZ’s favorite merchants.

What is flat fee and how does it work?

We like to keep it easy and transparent. Hence we tell you straight up, how much you are going to pay. It’s simple, make a transaction, covert it to EMI for a flat fee per month across the selected tenure.

How is the flat fee calculated?

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How can I refer a friend?

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WWhen will I receive my rewards?

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How do I earn Reward Points on the FIRST SWYP Credit Card?

The FIRST SWYP Reward Points program works basis monthly milestone spends. Customer gets rewards as per the following milestone spends done in a month.

Eligible spends greater than or equal to₹5,000: 200 RPs
Eligible spends greater than or equal to ₹10,000:Total of 500 total RPs
Eligible spends greater than or equal to₹15,000:Total of 1000 total RPs

#Spends done on Fuel, Rent, Utility, UPIis not counted towards calculating eligible spends per month. Milestone rewards will be credited on Statement date.
The above reward structure is on total spends and not incremental.
e.g.For eligible spends of ₹16,000, FIRST SWYP Cardholders will earn a total 1000 Reward Points only
Spends done on Fuel, Cash Withdrawal, Rent, Utility is not counted towards calculating eligible UPI spends per month
Additional 400 Reward points every month on rental spends greater than or equal to ₹20,000 p.m.
Additional 100 Reward points every month on UPI spends greater than or equal to ₹5,000 p.m. This is applicable only for customers who have enabled FIRST Digital UPI card on their FIRST SWYP Credit Card
Month in reference to monthly milestones means the period between consecutive Statement cycles. Rewards will be credited on the subsequent statement date

What is the FIRST SWYP Referral Program?

Under the FIRST SWYP Credit Card referral program, the existing FIRST SWYP Credit Card holders (known as ‘referrer’) can refer their family & friends for the FIRST SWYP Credit Card only and grab amazing referral rewards like the below:

No. of Successful Referrals*	Benefits	Value(₹)
1	Annual Subscription Fee Waived off	499
3	Get a bonus credit of 4000 Reward Points	1,000
5	EMI Fee Waiver of up to ₹1,500	1,500
7	Movie ticket Voucher worth ₹2,000	2,000
9	Get a flat cash back of ₹2,500	2,500
10	Get 4 complimentary domestic airport lounge access	3,800
	Overall Referral Benefits customer can achieve in a year	11,299

*Successful Referral: A successfully issued and active FIRST SWYP Credit Card

Referrer needs to input the mobile number registered with the bank on the online form to receive their unique referral link. Referrer can share the link with their family or friends through social channels or can directly copy the link & share.

Link - https://www.idfcfirstbank.com/credit-card/referral-journey?cardType=RoCvhFnkifsQ6rGm8xNzlA==

All the deets you need to know

Card Member
Agreement

Most Important
Terms &
Conditions

Product Usage
Guide

Know more about
your privileges

Annual Benefits Value Computation
Benefit	Perceived Value (in ₹)
Year-round discounts on FIRST SWYP Featured Partners: Assuming max discount utilised on all partners : Domino’s, EaseMyTrip, Tata Cliq, Zomato	7,520
Other Merchant Offers: Discounts & offers on 300+ merchants. Assuming a minimal spend of ₹15,000 a year and an average discount of 10%	1,500
Monthly Milestone Rewards: Get 1000 Reward Points on spends of ₹15,000 p.m. & 400 Reward Points on rental spends of ₹20,000 & above p.m.	4,200
Welcome Offer Benefits: Complimentary Times Prime Membership on spends of ₹30,000 in first 90 days Complimentary Lenskart Gold Membership on fee payment 1000 Reward Points on first EMI transaction done within 30 days	2,049
SWYP Tribe Benefits: Referral benefits ranging from fee waiver to cashbacks to movie vouchers & much more. Benefit value on 10 successful referrals	11,299
Movie Offer : 25% discount on movie tickets up to ₹100 on Paytm mobile app once a month	1,200
Fuel Surcharge Waiver: Waiver of up to ₹200 p.m. on fuel transactions between ₹200 and ₹5000 p.m.	2,400
Complimentary Road-Side Assistance (4 times a year): worth ₹ 1,399; usage assumed once a year Complimentary Railway Lounge Access (4 per quarter): worth ₹400 per access; usage assumed twice a year	2,199
Total Perceived Value of Benefits	30K+

The above table is representational basis assumed customer card usage. Benefit values may vary from person to person depending on their card usage.
Referral benefits are eligible for successful FIRST SWYP Referrals only
Monthly Milestone Reward Points will be calculated on eligible transactions.
Reward redemption value of 1 Reward Point : ₹0.25
Consult the referral program for referrals and corresponding benefit details.

Click here to know more

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