# IDFC FIRST SWYP

IDFC First Bank · Mastercard. ₹499 fee · 0% forex.

✓ official · checked 26 August 2026 · Source: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Swyp-Product-Guide.pdf

## How it earns (0)

Nothing on record yet.

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No base per-₹ earn · monthly-spend milestone ladder only (₹5K earns 200 RP, up to ₹60K earns 4,000 RP)
- No per-₹ earn on SWYP (milestone-only) · wallet loads earn nothing per txn; the issuer does not say whether they count toward milestones

## Milestones (5)

- 200 RP (₹50) @ ₹5K monthly spend · highest-rung-only ladder; which spends are excluded from the milestone is not confirmed · ₹50 at ₹5,000 spend per month · ✓ official · checked 10 July 2026
- 500 RP (₹125) @ ₹10K monthly spend · ₹125 at ₹10,000 spend per month · ✓ official · checked 10 July 2026
- 1,000 RP (₹250) @ ₹15K monthly spend · ₹250 at ₹15,000 spend per month · ✓ official · checked 10 July 2026
- 2,000 RP (₹500) @ ₹30K monthly spend · ₹500 at ₹30,000 spend per month · ✓ official · checked 10 July 2026
- 4,000 RP (₹1,000) @ ₹60K monthly spend (top rung) · ₹1,000 at ₹60,000 spend per month · ✓ official · checked 10 July 2026

## Lounges (1)

- 4 railway lounge visits a quarter, after ₹20,000 spent in the previous month. No airport lounge on the base card; 10 referrals bring 4 domestic visits. · Railway lounges · domestic · 16 per year · checked 10 July 2026

## Fees

- Annual fee: ₹499 + GST
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (1)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-swyp