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IDFC BANK
No interest rate at all — a flat monthly EMI conversion fee from Rs. 49 instead
One-time
Per year
Capped at ₹1,000/month
Score 700+
Applying takes you to IDFC BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from IDFC BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
Pays up to ₹1,000 a month — reached at about ₹100 of spend
These rates share one ceiling: ₹1,000 a month across the card, not per category.
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1000% on Everything else — Paid at monthly milestones, not per transaction: 200 points above Rs. 5,000, 500 above Rs. 10,000, 1,000 above Rs. 15,000 and up to 4,000 above Rs. 60,000., up to ₹1,000 per month.
Biggest limitation
Rewards arrive only at monthly spend milestones. Individual transactions earn nothing, and a month under Rs. 5,000 earns nothing at all.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1000 pts
cappedEverything else
Pays up to ₹1,000 per month — reached at about ₹100 of spend.
Paid at monthly milestones, not per transaction: 200 points above Rs. 5,000, 500 above Rs. 10,000, 1,000 above Rs. 15,000 and up to 4,000 above Rs. 60,000.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹589 | — |
| Annual / renewal fee | ₹589 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | Cash withdrawal fee as published in IDFC FIRST Bank's schedule of charges | — |
| Late payment | 15% | 15% of the total amount due, subject to a minimum of Rs. 100 and a maximum of Rs. 1,300 |
| Foreign currency markup | 0% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹589 a year
charged with no published way to avoid it
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a month
Up to 4,000 Reward Points a month, stated as worth Rs. 1,000
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079
IDFC BANKIDFC FIRST Ashva Credit Card₹3,539
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
Indian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime free
RBL BankRBL Bank SalarySe UP Credit Card₹589
YES BANKYES Bank Rio RuPay Credit CardLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IDFC FIRST SWYP Credit Card · this card | ₹589 | 1000% everything else | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| IDFC FIRST Ashva Credit Card | ₹3,539 | Up to 10 reward points per ₹100 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹589 plus GST, with no published spend-based waiver.
The strongest published rate is 1000% on everything else, capped at ₹1,000 per month — so roughly ₹100 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed from the IDFC FIRST Bank rewards catalogue at Rs. 0.25 a point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Yes. IDFC FIRST Bank states that no interest rate applies on the FIRST SWYP Credit Card. A converted transaction or statement balance instead carries a flat monthly EMI conversion fee plus GST, with no other processing charge. That makes the cost of carrying a balance a known number rather than something that accrues daily.
It starts at Rs. 49 plus GST and is dynamic — set by the transaction amount and the tenure you pick. Because of that there is no single published figure, which is the one thing to check before converting: on a short tenure a flat fee can work out dearer than interest would have.
Any transaction above Rs. 2,500, over a tenure from 3 to 36 months, and statement balances as well. There is no separate processing charge beyond the flat monthly conversion fee.
At monthly milestones rather than per transaction: 200 Reward Points above Rs. 5,000 of spending in a month, 500 above Rs. 10,000, 1,000 above Rs. 15,000, and up to 4,000 points — stated as worth Rs. 1,000 at Rs. 0.25 a point — above Rs. 60,000. If you spend under Rs. 5,000 in a month you earn nothing at all.
Rs. 499 plus GST as a joining fee, and the same again as an annual fee from the second card anniversary year — so the first year carries only the joining fee. IDFC FIRST Bank publishes no spend-based waiver for it.
It depends on the tenure. Over a long tenure a flat monthly fee is usually cheaper and always predictable, which is the card's point. Over three or six months the same fee can be a higher effective rate than interest on a falling balance — so work out the total fee against the amount before converting, rather than assuming flat means cheap.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IDFC FIRST SWYP Credit Card — 1000% on everything else, up to ₹1,000 per month. ₹589 a year.