Cards / IDFC FIRST

IDFC FIRSTFIRST SWYP

FIRST SWYP Credit Card

IDFC FIRST Bank · Rewards

Reviewed by Chandan Kumar Dash

4,000 reward points on spends of ₹60,000 per month; 400 points on FASTag recharges and railway spends of ₹20,000 and above per cycle.

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Joining fee

₹499

Annual fee

₹499

Waiver spend

–

Forex markup

0%

Fee waiver

No spend-based waiver listed by the bank.

Recent changes

• 9 September 2026Better for you

  Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.

  Source

• 18 June 2026Worse for you

  Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• No per-spend points; monthly spend milestones only

Points

Reward Points, worth about ₹0.25 each on the usual redemption.

Work out what your points are worth

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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