IDFC Bank FIRST SWYP Credit Card: Features & Apply

Summary

The IDFC Bank FIRST SWYP Credit Card? Oh, it’s screaming, “Hey Gen Z, millennials—this is your vibe!” Seriously, the design’s got that whole TikTok-bright, customizable thing going on. Way more fun than those boring, corporate-looking cards your parents carry. And listen, no joining fee, no annual fee—finally, a bank that gets we don’t want to pay just to *have* a card. Shocking, right?

Now, the rewards—actually decent. Cashback and points every time you swipe, even if you’re just paying through UPI for that midnight Maggi run. And the points never expire, so you don’t have to panic about losing them if you forget about your card for a few months (or, let’s be honest, a year). Plus, you can turn any splurge over ₹2,500 into EMIs straight from the app. So, yeah, buying a new phone doesn’t have to mean eating instant noodles for the next six months.

Perks? There’s a laundry list. Free railway lounge access (fancy, right?), food and shopping discounts, movie ticket deals, and even roadside assistance. Like, if your scooter bails on you, they’ve got your back. Not sure how many credit cards throw that in.

Introduction

In this hyperactive world where everyone’s glued to their phones, a credit card isn’t some fancy adult badge anymore—it’s just smart adulting. And IDFC FIRST Bank? They’ve caught the vibe and dropped this IDFC FIRST SWYP Credit Card, which is screaming, “Hey, Gen Z, millennials, this one’s for you!” Seriously, it’s got that fresh look, not like those boring cards your parents carry, and it packs a ton of perks that matter for people living online.

Let’s be real, the SWYP card’s not just about looking good in your Insta stories. The thing’s loaded with rewards—cashback, discounts, points—the works. Order food? Points. Shop online? More points. Movie tickets? Yep, you’re getting something back. If you spend money (and who doesn’t?), the card’s throwing benefits your way.

Oh, and get this: zero annual fee. Nada. Zilch. You don’t pay a thing just to keep it in your wallet. That’s a breath of fresh air, especially if you’re new to the whole credit card game and don’t want to get whacked with random charges. Plus, here’s a little lifesaver—interest-free cash withdrawals from ATMs for up to 48 days. So if you’re ever broke before payday (because, let’s be honest, we’ve all been there), you’re not getting punished for it.

The cherry on top? The whole thing’s run through their slick app. You control everything from your phone—track spending, pay bills, set limits, even freeze the card if you drop it between the couch cushions. It’s a credit card that finally gets it—you want stuff fast, digital, and hassle-free. No wonder it’s making some noise.

What is the IDFC Bank FIRST SWYP Credit Card?

Launched recently, the IDFC Bank FIRST SWYP Credit Card is intended primarily for digital users, students, and young professionals. With interesting benefits, simple control via a mobile app, and a fresh and modern approach to using credit, it provides. Unlike conventional credit cards, this one is more orientated towards lifestyle, leisure, and digital spending, which qualifies perfectly for the young people of today.

Furthermore, the card comes without an annual fee and no membership charge, so you save money using it. Beginners who are first using a credit card will find this fantastic. On spending across well-known sites such as food delivery, shopping apps, and travel bookings, it also offers cashback, discounts, and reward points.

How is the design of the IDFC Bank FIRST SWYP Credit Card?

This IDFC FIRST SWYP Credit Card? Man, it practically screams “look at me!” with that loud yellow and all those wild graphics. Honestly, it’s got way more personality than those boring old-school cards your parents probably still carry. It’s like someone took a highlighter to a credit card and said, “Let’s make this fun.”

You can tell they’re gunning for Gen Z and millennials—anyone who doesn’t want their stuff to look like it came out of a dusty filing cabinet. The whole vibe is kinda rebellious, super playful, and just… not afraid to stand out. Perfect for folks who want their wallet to have as much attitude as they do.

What are the benefits of the IDFC Bank FIRST SWYP Credit Card?

Its main benefits are broken out here:

Welcome Advantages

• Lenskart Gold Membership: After paying the joining cost, enjoy a free one-year membership valued at ₹600. 

• Spending ₹5,000 over the first 30 days of card issuing will earn 2,000 reward points—equivalent to ₹500. 

• Using EaseMyTrip, avail ₹700 off on round-trip domestic flights (minimum booking of ₹7,000) and ₹800 off on hotel accommodations (minimum booking of ₹4,000). 

Program for Rewards

Achievements in Milestones:

• Spending ₹5,000 a month will result in 200 reward points.

• Spending ₹10,000 earns 500 reward points overall.

• Spend ₹15,000; you have 1,000 reward points total.

• Every ₹5,000 used on PI earns 100 reward points for a statement month. 

• Monthly rent payments of ₹20,000 or more will net 400 reward points. 

• Reward points, which do not expire, can be used for several vouchers.

Discounts in Lifestyle and Partnerships

• Domino’s: Twice a month, 20% off (up to ₹80) on orders exceeding ₹299.

• 10% off (up to ₹100) twice a month on orders exceeding ₹299.

• Ten percent quick discount (up to ₹100) on orders over ₹ 999 once a month, Tata CLiQ

• 20% off (up to ₹270) on a minimum order of ₹1,250, once online and once offline each month, SUGAR Cosmetics

• Once per quarter, EaseMyTrip offers 10% off (up to ₹500) on flights or hotels where transactions total more than ₹5,000. 

Entertainment Rewards

• Get 25% off (up to ₹100) on movie bookings made via Paytm once a month. 

Travel and Utility Advantages

• 1% waiver (up to ₹200 monthly) on fuel transactions between ₹200 and ₹5,000. 

• Four free admissions every quarter, or sixteen yearly, with facilities including Wi-Fi and drinks from the Railway Lounge. 

Adaptable EMI Choices

• Transactions or balances above ₹2,500 can be turned into EMIs with a flat monthly fee beginning at ₹49 + GST, free from further interest charges.

What are the fees for the IDFC Bank FIRST SWYP Credit Card?

Here is a simple breakdown of the  IIDFC Bank FIRST SWYP Credit Card fees.

Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a charge of 0% per month (0% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IDFC Bank FIRST SWYP Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IDFC Bank FIRST SWYP Credit Card?

The documents that you will have to submit to get the IIDFC Bank FIRST SWYP Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IDFC Bank FIRST SWYP Credit Card be used?

Here is the list of places where you can use it:

• With the IIDFC Bank FIRST SWYP Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IIDFC Bank FIRST SWYP Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The  IIDFC Bank FIRST SWYP Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IDFC Bank FIRST SWYP Credit Card?

The credit amount you can spend is what you are provided with an IIDFC Bank FIRST SWYP Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IDFC Bank FIRST SWYP Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IDFC First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IDFC First Bank; for instance, you can choose the IDFC Bank FIRST SWYP Credit Card.

• Just hover your cursor on the  IIDFC Bank FIRST SWYP Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IDFC First Bank branch to apply for the IDFC Bank FIRST SWYP Credit Card.

• Request the credit card application form for the  IIDFC Bank FIRST SWYP Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IIDFC Bank FIRST SWYP Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the IDFC First Bank Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an IDFC Bank FIRST SWYP Credit Card in 2025 be right?

Getting an IIDFC Bank FIRST SWYP Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IDFC First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The IDFC Bank FIRST SWYP Credit Card isn’t just another piece of plastic you toss in your wallet. It’s got a serious attitude, like it rolled up to the party knowing it was the main event. That bold, flashy design? Aimed at anyone who’d rather tap a screen than write a check (honestly, who writes checks anymore?). If you’re a student, hustling professional, or just someone glued to their phone, this card screams your vibe—flexibility, rewards, and the kind of convenience that makes you wonder how you ever survived without it.

Now, here’s the kicker—no annual fee, no joining fee. Nada. Zilch. Perfect for folks who just wanna dip their toes into the credit card chaos without getting burned by hidden costs. And the rewards? Pretty wild. Cashback, discounts all over the place—Zomato, Domino’s, EaseMyTrip, Tata CLiQ… If you’re ordering pizza or booking a trip, you’re saving money by spending money. Love that for us.

But wait, there’s more (yeah, I went full infomercial): EMI options, UPI rewards, cash withdrawals from ATMs with zero interest for 48 days. I mean, who does that? Plus, the extras—free railway lounge access, roadside help if your scooter decides to die on you, and cheap movie tickets. It’s the Swiss Army knife of credit cards, except you won’t stab yourself in the leg with it.

Frequently Asked Questions (FAQ’s)