IDFC FIRST BankVisaIDFC FIRST SWYP
EMI-focused card with no-cost EMI on spends above ₹2,500 and reward-based monthly milestones.
- Joining fee
- ₹499
- Annual fee
- ₹0
- Reward type
- miles
- Best for
- UPI
- Est. rewards
- —
Rewards
Earns as 'Join the Club' reward points; also features 200 reward points on every monthly milestone of ₹5,000 spend.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 3% |
Welcome offer
2000 Reward Points on minimum spend of ₹5,000 within 30 days of card issuance.
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 4 complimentary domestic lounge visits per calendar year, subject to a minimum spend of ₹5,000 in the previous calendar month.
More benefits
- Welcome Bonus: 2000 Reward Points on minimum spend of ₹5,000 within 30 days of card issuance.
Fees & charges
| Joining fee | ₹499 |
| Annual fee | ₹0 |
| Fee waiver | Waived on ₹1.5L annual spend |
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