IDFC Swyp credit card credit card
Joining Fee:

₹499 +GST

Return Percentage:

1% to 2%

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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

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Fees and charges at a glance

Annual fee
₹499

Charged every year you keep the card

Joining fee
₹499

Paid once when you get the card, plus GST

Reward rate
1% to 2%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
46.2% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

IDFC Swyp credit card — Lounge Access

Railway lounge

4 per quarterquarter
  • Monthly spends (typically ₹20,000 as seen on other IDFC FIRST cards, but always re-confirm for SWYP).