IDFC Swyp credit card credit card
Joining Fee:

₹499 +GST

Return Percentage:

1% to 2%

Apply Now

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 logoIDFC

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 — Milestones

  1. Spend rewardRepeats every year

    Spend ₹5,000 in a month

    250 RPs.

  2. Spend rewardRepeats every year

    Spend ₹10,000 in a month

    500 RPs.

  3. Spend rewardRepeats every year

    Spend ₹15,000 in a month

    1,000 RPs.

  4. Spend rewardRepeats every year

    Spend ₹30,000 in a month

    2,000 RPs.

  5. Spend rewardRepeats every year

    Spend ₹60,000 in a month

    4,000 RPs