IDFC FIRST Bank FIRST SWYP
IDFC FIRST Bank
Annual / renewal fee
₹499.
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Earn rate
Confirm on the official page
Official source not yet captured
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
FIRST SWYP by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹499.
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Annual / renewal fee
₹499.
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Fee waiver
No add-on card joining or annual fee is applicable for FIRST SWYP Credit Card (Add-on Card fee shown as NA).
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Rewards
Redemption value
Reward Redemption Fee of ₹99 per redemption transaction.
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.50% markup on foreign currency transactions and Dynamic & Static Currency Conversion Transactions (SWYP falls under 'For all cards except below').
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Charge
- Cash advance transaction fee: ₹199 (cash advance not applicable for FIRST Digital RuPay).
- Late payment charges: 15% of Total Amount Due as of the previous statement minus any payments received before the due date, subject to a minimum of ₹100 and a maximum of ₹6,000 (LPC applied on Total Amount Due for FIRST SWYP; in case of partial payment, LPC applies on due amount left after partial payment).
- Over-limit charges: Not Applicable (customer has to either pay Total Amount Due in full or convert eligible due amount into EMI).
- Finance/interest rate on purchases: Not Applicable for FIRST SWYP (revolving credit facility not available; pay Total Amount Due in full or convert eligible due amount into EMI).
- Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount subject to a minimum of ₹500.
- Reward Redemption Fee: ₹99 per redemption transaction.
- Card replacement fee: ₹199 (w.e.f. 20th Feb 2025, including cards with Image Personalisation).
- Foreign currency markup / Dynamic & Static Currency Conversion: 3.50%.
- Fee on cash payment at branches: NIL.
- GST: 18% on all fees, interest and other charges.
- Add-on card fee: NA.
- Rent & Property Management fee: 1% of transaction value, min ₹249 (domestic only).
- Utility spends fee: 1% if total utility spends in a statement cycle exceed ₹20,000.
- Fuel fee: 1% if total fuel spends exceed ₹30,000 in a statement cycle.
- Passenger Railways fee: 1% if total spends exceed ₹25,000.
- Tolls and Bridges fee: 1% if total spends exceed ₹10,000.
- Education Payment fee (third-party apps): 1%, min ₹249.
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Fuel surcharge waiver
1% Fuel Surcharge Waiver on fuel transactions between ₹200 and ₹5,000, capped at a maximum of ₹200 per statement cycle.
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Interest-free period
- Interest-free (grace) period shall not exceed 45 days, varying by transaction date and statement date.
- Not applicable if previous month's statement balance is not cleared in full by the due date.
- Payment due date is 15 days from statement date for FIRST SWYP.
- For FIRST SWYP, revolving credit is not available - the cardholder must pay Total Amount Due in full or convert eligible due amount to EMI before the payment due date.
VerifiedKey Fact Statement (KFS) - covers FIRST SWYP Credit Card30 Jul 2026, 5:05 AM ISTIDFC FIRST Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the FIRST SWYP?
Officially traced: Rs. 499.
Key Fact Statement (KFS) - covers FIRST SWYP Credit CardWhat is the joining fee on the FIRST SWYP?
Officially traced: Rs. 499.
Key Fact Statement (KFS) - covers FIRST SWYP Credit CardIs the FIRST SWYP annual fee ever waived?
No add-on card joining or annual fee is applicable for FIRST SWYP Credit Card (Add-on Card fee shown as NA).
Key Fact Statement (KFS) - covers FIRST SWYP Credit CardWhat are the transfer ratios for FIRST SWYP points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-07-29 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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