IDFC FIRST BankVisaSWYP Credit Card
3.9NeoFinQ editorial rating
Youth-focused lifestyle card with flexible EMI and referral benefits
- No fee
- Youth-focused benefits
- Joining fee
- ₹499
- Annual fee
- ₹499
- Reward type
- miles
- Best for
- Travel
- Est. rewards
- ₹19,500/yr
Our verdict
Good card for young professionals.
Perfect for
- Young professionals
- Lifestyle spenders
Not ideal for
- Premium seekers
Pros & cons
- No fee
- Youth-focused benefits
- Limited premium perks
Rewards
Earn 200 points on ₹5,000 spend, 300 more on ₹10,000, 500 more on ₹15,000. 6X points on movies, dining and OUTSIDE online spends when milestones are met.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Travel | 5% |
| Online Shopping | 5% |
Welcome offer
2000 Reward Points on spending ₹5,000 within 30 days + Complimentary Lenskart Gold Membership + Times Prime Membership on spends of ₹30,000
Benefits
More benefits
- Welcome Bonus: 2000 Reward Points on spending ₹5,000 within 30 days + Complimentary Lenskart Gold Membership + Times Prime Membership on spends of ₹30,000
- Milestone: Up to 1000 reward points on monthly spends; 200 points on ₹5,000 spend, 300 more on ₹10,000, 500 more on ₹15,000
Fees & charges
| Joining fee | ₹499 |
| Annual fee | ₹499 |
| Renewal fee | ₹499 |
| Fee waiver | Waived on ₹1.5L annual spend |
Eligibility
Min. income (annual)
₹3L
Employment
Salaried / Self Employed
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Annual fee ₹499