CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
30
#114 of 173 in credit
IDFC First Bank

IDFC First SWYP Credit Card

creditVisa

Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value10/100 · weight 65%
≈ 0.47% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +4.3% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks19/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
Lifetime free
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
online_spendspoints0.75%(3 pts @ ₹0.25)——
diningpoints0.75%(3 pts @ ₹0.25)——
travelpoints0.75%(3 pts @ ₹0.25)——
groceriespoints0.75%(3 pts @ ₹0.25)——
fuelpoints0.25%(1 pts @ ₹0.25)——
all_spendspoints0.25%(1 pts @ ₹0.25)——