IDFC FIRST Bank
RuPay•••• •••• •••• 4242
IDFC FIRST SWYP EMI Credit Card
IDFC FIRST SWYP EMI Credit Card
IDFC FIRST Bank
Annual Fee
₹199
Effective Rate
1.00%
Network
RUPAY
Point Value
₹1.00/pt
About IDFC FIRST SWYP EMI Credit Card
EMI-focused card with instant no-cost EMI at checkout. ₹199 annual fee. RuPay network with UPI linking.
Best For
Pros & Cons
thumb_upPros
- check_circleZero forex markup on international transactions
thumb_downCons
- cancelAnnual fee of ₹199 with no waiver option
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the IDFC FIRST Bank website.
| Annual Fee | ₹199 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about IDFC FIRST SWYP EMI Credit Card.
Ready to apply for IDFC FIRST SWYP EMI Credit Card?
Apply directly on the IDFC FIRST Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.