Welcome Benefits :- 

• You will get a complimentary Lenskart Gold membership upon successful realization of the joining fee.

• Get 1,000 Reward Points on the first EMI transaction within 30 days of card issuance.

• Get 2000 Reward Points worth ₹500 on spending ₹5,000 or more within the first 30 days of card issuance. This offer is applicable only for FIRST SWYP Credit Cards issued after 4 April 2024.

• Get discount coupons worth ₹2,100 on EaseMyTrip on payment of joining fee.

• 1-year Times Prime membership on spends of ₹30,000 within 90 days of card issuance. This offer is not applicable to cards issued after 4 April 2024.

​

Rewards & Benefits :- 

Movie & Dining

25% Discounts on Movie Tickets

​

Rewards Rate

200, 500, and 1,000 RPs on Spends of Rs. 5,000, 10,000, and 15,000 Respectively

​

Reward Redemption

Points Can be Redeemed at IDFC First Rewards. Pay With Points Facility Also Available

​

Travel 

4 Free Railway Lounge Access Each Quarter

​

Domestic Lounge Access

N/A​

​

International Lounge Access

N/A

​

Fees & Charges :- 

Spend-Based Waiver

NA

​

Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

​

Foreign Currency Markup

1.99% 

​

Interest Rates

N/A​

​

Fuel Surcharge

1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 200.

​

Cash Advance Charges

Rs. 199 per transaction

​

Product Details :- 

• Reasonable joining fee of Rs. 499.

• Easily convert your spends into EMIs.

• Complimentary railway lounge access is provided.

• Plenty of welcome benefits are offered with this card.

​

Pros/Cons :-

​

Pros

• There are numerous welcome benefits associated with this card, such as a free Lenskart Gold membership, 1,000 Reward Points, and Free Times Prime membership.

• This card comes at an affordable joining/annual charge of Rs. 499.

​

Cons

• While this card grants complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria.

• You must either pay your full amount due by the due date or convert your pending balance into EMI. Paying the minimum amount due is not an option.