IDFC First Bank SWYP EMI Credit Card
Card Intro
Welcome Benefits
Welcome Gift of 1000 reward points by paying the joining fee and making 1st successful EMI transaction of Rs. 500 or more within 30 days of card issuance. Also, Complimentary Lenskart Gold Membership for 1 year on paying the joining fee.
1-year Times Prime Membership on net spend of minimum Rs. 30,000 within 90 days of card issuance.
Interest Free Period
20 to 48 Days
Payment Gateway
Mastercard/Rupay
Card Fees
Joining Fee(once)
Rs. 499
Annual Fee(2nd year onwards once)
Rs. 499
Add-on Card Fee
Nil
Annual Fee Waive off
Nil
Card Features, Rewards and Benefits
Cashback
Nil
Rewards
Nil
Milestone Benefits
Monthly Milestone Rewards:
200 Reward Points on monthly spends of greater than Rs. 5,000
500 Reward Points on monthly spends of greater than Rs.10,000
1000 Reward Points on monthly spends of greater than Rs. 15,000
Also, 400 Reward Points on minimum rental spends of Rs. 20,000 every month.
*Monthly Milestone Rewards are not applicable on Rental, Cash Withdrawal, Fuel, and Utility transactions.
Fuel Surcharge Waiver
1% for transactions between Rs. 200 to Rs. 5000.
Up to Rs. 200 per statement
Dining
Up to 20% discount at 1500+ restaurants – IDFC FIRST Bank Offers & Privileges.
Movie Benefits
Buy movie tickets on the Paytm mobile app and get up to 25% discount, up to Rs. 100. This offer is valid once per month.
Lifestyle Benefits
Fixed instant discount percentage throughout the year at Featured Partners.
Dominos: 20% discount, up to Rs. 80, on orders above Rs. 299. This offer is valid twice in a calendar month.
Easemytrip: 10% off on flights or hotels, up to Rs. 500, for transactions above Rs. 5,000. This offer can be availed once per quarter.
TataCliq: 10% instant discount, up to Rs. 100, on purchases over Rs. 999. This offer is available once in a calendar month.
Zomato: 10% discount, up to Rs. 100, on orders above Rs. 299. You can use this offer twice in a calendar month.
*Please note that featured partners and offers are subject to change without prior notice.
Travel Benefits:
Nil
Lounge Benefits
For Domestic Railway lounges – 4 complimentary Railway lounge visits per quarter via DreamFolks.
Hotel Benefits
Nil
Insurance Benefits
Complimentary Personal Accident Insurance Cover of up to Rs. 2 lakh.
Complimentary Credit Card Fraud Liability cover of Rs. 25000 on reporting unauthorized transactions within 24 hours of loss/theft of the card.
Concierge Benefits
Complimentary Roadside Assistance (RSA) all over India, up to 4 times in a year worth Rs. 1,399 through Global Assure.
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Nil
Cash Withdrawal Fees or Cash Advance Fees
Rs. 199
Card Replacement Fees
Rs. 100 and Rs. 149 for Cards with image personalisation.
Charge slip Retrieval Fee
Nil
Cheque Payment Fee
Nil
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
3.5% on International transaction
Duplicate Statement Fee
Nil
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
Rs. 99 or 1% of the transaction amount (whichever is higher)
Finance Charges
Not Applicable (User has to either pay Total Amount Due in full or convert eligible due amount into EMI)
Foreign Currency Transaction fee(Forex Charges)
3.5% of the transaction value
Late Payment charges
15% of Total Payment Due (minimum Rs. 100 to maximum of Rs. 1300)
Nil if Total Payment Due is less than Rs. 100
Rs. 100 if total payment due is Rs. 500
Rs. 750 if total payment due is Rs. 5,000
Rs. 1200 if total payment due is Rs. 10,000
Rs. 1300 if total payment due is greater than Rs.10,000
Outstation Cheque Fee
Nil
Over Limit Fees
2.5% of the over limit amount (Min Rs. 550)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
2% of the payment amount subject to Min. Rs.500
Payment of Customs duty
N/A
Priority Pass Lounge Charges
N/A
Railway Tickets Surcharge
as per IRCTC website
Rental Transaction Fee
1% of transaction value, minimum of Rs. 249 per transaction
Reward Points Redemption Fee
Rs. 99
Any Other Charges
N/A
Terms & Conditions!
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.