Question 1

Is IDFC FIRST SWYP Credit Card worth the ₹499 annual fee?

Accepted Answer

IDFC FIRST SWYP Credit Card has an annual fee of ₹499. The fee can be waived if you spend ₹1l/year. With a base reward rate of 0.5% (up to 3%),  and a CardTrail Score of 6.7/10, it may suit specific spending patterns.

Question 2

What is the reward rate on IDFC FIRST SWYP Credit Card?

Accepted Answer

IDFC FIRST SWYP Credit Card offers a base reward rate of 0.5% on regular spends, going up to 3% on select categories. Rewards are earned as Reward Points. New cardholders also get a welcome bonus of ₹500 voucher.

Question 3

Does IDFC FIRST SWYP Credit Card have airport lounge access?

Accepted Answer

No, IDFC FIRST SWYP Credit Card does not include complimentary airport lounge access.

Question 4

What is the forex markup on IDFC FIRST SWYP Credit Card?

Accepted Answer

IDFC FIRST SWYP Credit Card charges a 1.99% forex markup on international transactions, plus 18% GST on the markup (effective rate: 2.35%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

IDFC FIRST SWYP Credit Card vs Titan SBI Credit Card — which is better?

Accepted Answer

IDFC FIRST SWYP Credit Card (CardTrail Score: 6.7/10) and Titan SBI Credit Card (Score: 8.8/10) are both lifestyle cards. IDFC FIRST SWYP Credit Card by IDFC FIRST has a ₹499 fee with 0.5% base rewards, while Titan SBI Credit Card by SBI has a ₹2,999 fee with 1.5% base rewards. Use our comparison tool for a detailed side-by-side analysis.

IDFC FIRST SWYP Credit Card

About This Card

Pros & Cons

Pros

Cons

Fee Details

Reward Structure

Lounge Access

Key Highlights

Compare With...

Want the Full Picture?

Active Offers (1)

Rs 500 Amazon voucher on first spend

Useful Tools

Quick Summary

CardTrail Score

Best For

Own the IDFC FIRST SWYP Credit Card?

Related Cards