Joining Fee:
Apply Now₹499 +GST
Return Percentage:1% to 2%
Credit Card Overview
A youth-oriented First Swyp card offering cashback on online shopping, dining, and entertainment, with digital-first benefits.
Best Suited For: Cashback, Catalogue Products
IDFC
Fees and charges at a glance
- Annual fee
- ₹499
- Joining fee
- ₹499
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 46.2% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
IDFC Swyp credit card — Earn Categories
Where you earn more
- Flights via IDFCTravel · Flights35 reward points / ₹150
A maximum of 8K RPs can be earned on Both Flights & Hotels in a calendar month
1 more earning category on this card
We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Base Rewards
- FasTag
- Fuel
- Railways