IDFC Bank FIRST SWYP Credit Card vs IDFC FIRST Classic Credit Card

Joining Fees

₹499

₹0

Editor's Rating

4.5

3.3

Key Features

  • Limited Period Offer: Get up to Rs. 200 cashback on first 4 UPI transactions (maximum up to Rs. 50 per transaction) done within 15 days of FIRST Digital RuPay Credit Card creation date
  • 4 complimentary railway lounge access per quarter
  • 25% discount on movie tickets up to Rs. 100 on Paytm mobile app once a month
  • Get 100 Reward Points for every Rs. 5,000 UPI spends per statement month
  • Complimentary Roadside Assistance worth Rs. 1,399
  • Monthly Milestone Rewards: SWYP for exciting Reward Points on monthly eligible spends:

A. Get 500 Reward Points on monthly spends of more than Rs. 10,000

B. Get 1000 Reward Points on monthly spends of more than Rs. 15,000

C. Get 400 Reward Points on rental spends of Rs. 20,000 and above p.m.

  • Guaranteed year-long discounts on featured partners such as the following:

A. Dominos Pizza: 20% off up to Rs. 80 on orders above Rs. 299 twice in a month

B. EaseMyTrip: 10% instant discount up to Rs. 500 on flight or hotel bookings above Rs. 5,000 once a quarter

C. SUGAR Cosmetics: 20% instant discount up to Rs. 270 on orders above Rs. 1,250 once online once offline a month

D. TATA CLiQ: 10% instant discount up to Rs. 100 on purchases above Rs. 999 once a month

E. Zomato: Get 10% off up to Rs. 100 on orders above Rs. 299 twice in a month

  • 1% fuel surcharge waiver up to Rs. 200 p.m. on fuel transactions between Rs. 200 and Rs. 5000 p.m.
  • Access to additional 300+ merchant offers on all your fav categories, all year round
  • Pay your statement in full or EMIfy your eligible balance
  • You can convert your eligible balance into easy & convenient EMIs
  • Make sure to pay any outstanding balance post EMI conversion by your payment due date
  • Convert balances or transactions into easy EMIs with flat monthly conversion fees & no other processing charges
  • Year- long instant discounts starting from 10% off on our Feature Partners
  • FIRST SWYP Referral Benefits: Get subscription fee waived off & many more benefits by referring FIRST SWYP
  • The FIRST Classic Credit Card is now powered for UPI
  • Limited Period Offer: 100% cashback up to Rs. 200, i.e. Rs. 50 each on first 4 UPI transactions
  • Up to 3X reward points on all UPI spends
  • 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on birthdays
  • 3X Reward Points on online and offline purchases for spends up to Rs. 20,000 per month
  • Unlimited Reward points that don’t expire
  • Use the Reward points to instantly pay for online or in-store purchases
  • 1X Reward Points on Insurance premium payments and Utility bill payments
  • 1X = 1 Reward point per Rs. 150 spent
  • Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
  • 4 complimentary Railway lounge visits per quarter
  • Complimentary Roadside Assistance worth Rs. 1,399
  • Fuel surcharge waiver of 1% at fuel stations in India, up to Rs. 200/month. This is applicable only on transactions done between Rs. 200 & Rs. 5000
  • Enjoy 300+ Merchant offers all year long
  • Get up to 20% discount at 1500+ restaurants
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • Convert all transactions above Rs. 2,500 into easy & convenient EMIs from the mobile app
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Enjoy convenient transfer of balances from the other bank credit cards with IDFC Bank's balance transfer privilege

Editor's Review

Pros

  • Numerous welcome benefits
  • Guaranteed year-long discounts on featured partners such as Dominos Pizza, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato
  • Affordable joining/annual fee

Cons

  • While this card provides complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria
  • Make sure to pay any outstanding balance post EMI conversion by your payment due date
  • No golf benefits

Pros

  • 10X Rewards on all spends done on your Birthday
  • Reward points will never expire
  • Free Road Side Assistance(RSA) worth Rs. 1,399

Cons

  • No milestone benefits
  • Airport Lounge access limited, depends on the bank’s current offers
  • Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers


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