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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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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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SWYP to get your Credit Card

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Introducing

Get it all. Get it now

Instant delight with instant discounts, all year round! Avail up to 20% off on our featured partners & many more!
Get it all & much more at an annual subscription fee of just ₹499 + GST

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

Enjoy multiple benefits on your successful referrals : Subscription fee waiver, movie vouchers, cashbacks & much more!

No account
with us, yet?
No Problem!

Get your FIRST SWYP Credit
Card at an annual subscription
fee of ₹499 + GST

Get Yours Now

SWYP to get your Credit Card

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

1000 Reward Pointson 1st EMI conversion

Annual Membershipon spending 30k points

Free Gold Membershipfor 1 year worth ₹600

Know More

Activate UPI on your
FIRST SWYP credit card

Welcome offer: Cash back up to ₹200
100 Reward Points on monthly UPI spends of ₹ 5,000
Joining Fee of ₹199 and Annual Fee ₹199 (2nd year onwards)
Know More

Activate Now

Featured Partners

Bringing you brands you love

Click on your favourite brand to know more

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

Once a month

Dominos Pizza

20% instant discount on PVR

Twice a month

PVR Cinemas

20% instant discount on Zomato

Twice a month

Zomato

20% instant discount on Tata Cliq

Twice a month

Tata Cliq

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

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

*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!

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

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

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

FAQs

Is there a Joining or Annual fee on FIRST SWYPCredit Card?

Yes, there is an Annual subscriptionfee on the FIRST SWYP Credit Card. The card comes with a Joining fee (1st year) of ₹499 + GST and an Annual subscription fee (2nd year onwards) of ₹499 + GST. The Joining fee will get waived off post 1 successful FIRST SWYP referral by the customer.

What will I get on paying Joining fee?

Paying the Joining fee for the FIRST SWYP Credit Card comes with several Joining Benefits like:

1000 reward points on 1st successful EMI transaction within first 30 days from card issuance
Exclusive 1-year Times Prime Membership on net spend of minimum ₹30,000 or more within the first 90 days of credit card issuance
Complimentary Lenskart Gold Membership for 1 year on payment of Joining fee For more information refer to Privileges document.

When will the Joining fee be charged and when will I have to pay it?

The Joining fee or Subscription fee of ₹499 + GST will be charged on the day the card is issued. However, you are expected to make the payment within the 1st statement’s due date to avoid any late payment charges.

For example, if the card is issued on 5th December 2023, the Joining fee will be reflected in the first statement generated on 17th December 2023. The due date for payment will be 4th January 2024. You can pay the Joining fee anytime between 5thDecember 2023 to 4thJanuary 2024.

When will the Annual subscriptionfee be charged and when will I have to pay it?

Annual subscription fee of ₹499 + GST will be levied every 12 months post the day of card issuance.

For example, if the card is issued on 5thDecember 2023. Annual fee for the 2nd year of ₹499 + GST will be charged on 5thDecember 2024. This fee will reflect in the statement which will be generated on 17thDecember 2024 (statement date for FIRST SWYP Credit Card) having a due date after 18 days which will be 4thJanuary 2025. Customer can pay the Annual fee anytime between 5thDecember 2023 to 4thJanuary 2025.

What is the interest rate on the FIRST SWYP Credit Card?

The FIRST SWYP Card makes payment convenient to the customer and allows the customer to either pay the statement balance in full or convert eligible balance into easy EMIs. There is no concept of credit revolve (i.e. carrying on payment dues to the next month). You can either pay your entire bill by the payment due dateor convert your eligible balances into convenient EMIs.

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

Most Important
Terms &
Conditions

Card Member
Agreement

Product Information
Kit

Know more about
your privileges here

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.

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