Three Easy Steps
-
Enter your
mobile number -
Get referral link & share
with your friends -
Your friend applies
for the card. You spend
and earn cashback!
You can earn up to Rs 5000
(Earn Cashback for upto 5 successful Referrals.)
(Earn Cashback for upto 5 successful Referrals.)
You get Up to
₹1000
Cashback
5% cashback on your credit card spends made within 30 days of your friend’s card issuance.
Your friend gets:
Best welcome offers
on issuance of every IDFC FIRST Bank Credit Card
India's Best Credit card
- Upto 10X rewards that don't expire
- 0% interest on ATM withdrawals upto 45 days
- Low interest rates from 8.5% to 46.2% per annum
- Best -in-class Lifestyle privileges
Know more
-
Earned cashback will be credited within 60 days of every card issuance
-
These reward points earned on referral don't expire.
What is this Referral Program?
IDFC FIRST Bank Credit Card customers can now refer their friends and family to apply for select IDFC FIRST Credit Cards and earn up to ₹1000 cashback for every successful referral.
Here’s how it works
You earn 5% cashback on your credit card spends made within 30 days from the date your friend’s card is issued.
The cashback is capped at ₹1000 when your friend applies for a regular credit card and will be credited within
60 days of successful card creation.
You can refer up to 5 friends in total.
Note: The referred friend (referee) does not receive any reward under the current program.
Do I need to have an existing IDFC FIRST Bank Credit Card to be eligible for referral cashback?
Yes, only customers who already hold an IDFC FIRST Bank Credit Card can refer others and earn cashback under this program. Please refer to TnCs for more details.
How much cashback can I earn?
You can earn cashback of:
Up to ₹1000 for each successful referral of a regular credit card.
This cashback is calculated as 5% of your credit card spends within 30 days of your friend’s
successful card issuance.
How many referrals can I do?
There is no limit on the number of referrals that one can do. However, first 5 successful referrals where card is generated, will be eligible for bonus cashback.
What is the Referral Process?
Here are the steps to Refer and Earn! -
Enter your mobile number registered with IDFC FIRST Bank
Get your referral link
Share it with friends
When your friend gets the card, start spending to earn your cashback!
Which variant can I refer?
The referrer cannot refer a specific card variant. The referee will be accessed based on bank’s policy and best suitable card will be offered.
From when is this referral construct applicable?
The revised referral cashback construct will be applicable from June 25, 2025. Referrals made before this date will continue to follow the previous offer construct. (i.e 2000 Reward points each to the referrer and referee upon successful card creation of the referee). Referrer can receive benefits for upto 5 successful referrals only (irrespective of offer type).
Get your TRIBE on to FIRST SWYP
Refer your friends and spread the word to earn big with every successful referral of FIRST SWYP
Share your mobile number & get going!
Three simple steps to get your Tribe
-
Enter your
mobile number -
Get referral link & share
with your friends -
Your friend applies for
India's best credit card.
Complete all levels annually to reap the benefits of this program
Basic
Successfully refer 1 & get Subscription Fee Waiver*
Refer 3 & get 4000 Reward Points credited*
Pro
Refer 5 & get an EMI Flat fee waiver up to ₹1500
Refer 7 & get a movie ticket voucher worth ₹2000
Elite
Refer 9 & get ₹2500 cash back
Refer 10 & get 4 complementary airport lounge access
Everyone’s crushing on FIRST SWYP Credit Card!
- Instant discounts starting from 10% on Zomato, Zepto, Domino’s, EaseMyTrip, Goibibo, Tata CLiQ, SUGAR Cosmetics, Nykaa & many more!
- Convert your spends into easy EMIs, with just a monthly flat fee & no other charges!
- Reach spend milestones and earn up to 4400 Reward Points, every month!
- Get ₹500 Gift voucher from Amazon, on spending ₹5000 & additional 1000 RPs worth ₹250, on 1st EMI conversion done within first 30 days along with a Lenskart Gold membership on payment of Joining fee
- 25% off on movie tickets once a month up to ₹100
- Enjoy all these & much more at just an annual subscription fee of ₹499+ GST
Know more
-
Earned benefits will be credited within 30-45 days of successful achievement of the respective referral milestones
-
These reward points earned on referral don't expire.
What is the FIRST SWYP Referral Program?
Under the FIRST SWYP Credit Card referral program, the existing FIRST SWYP Credit Card holders (known as ‘referrer’) can refer their family & friends for FIRST SWYP Credit Card . The referrers have a chance to earn multiple benefits depending upon the number of successful referrals of FIRST SWYP that they are able to achieve from a subscription fee waiver to complimentary access to domestic airport lounges. For e.g on 1 successful referrals of FIRST SWYP, customer gets a waiver on their annual subscription fees.
Do I need to have an existing IDFC FIRST Bank Credit Card to be eligible for referral rewards?
Yes, Only FIRST SWYP Cardholders are eligible for this referral program. This program is applicable only for both the referrer and the referees if they hold the FIRST SWYP Credit Card
How many referrals one can do?
There is no limit on the number of referrals that one can do. However, customer will only get benefit for the first 10 successful referrals where card is generated, as per the above table, for a period of one year post the customer’s card issuance date
What is the Referral Process?
Referrer needs to input the mobile number registered with the bank on the online form to receive their unique referral link. Referrer can share the link with their family or friends through social channels or can directly copy the link & share.
Which card variant can I refer?
This specific program is only applicable for FIRST SWYP Cardmembers referring their friends for FIRST SWYP Credit cards. The referee will be assessed based on bank’s policy and the card will be offered basis the same.
Definitions:
"Card" shall mean Credit card (VISA/ Mastercard) which has been issued by IDFC FIRST Bank and is valid and subsisting during the Program/Offer Period.
"Card Holder(s)" shall mean such customer(s) to whom a Card has been issued and who is authorized to hold the Card.
“Referrer(s)” for the purpose of this program shall mean an existing IDFC FIRST Bank card holder, who uses referral program and has referred a referee for availing of products offered by IDFC FIRST Bank.
“Referee(s)”, for the purposes of this Offer shall be the individual who has been referred for the products/services by the Referrer.
“Application’ shall mean an application for a credit/ charge Card by the applicant or Card-member to IDFC FIRST Bank through various modes of applying, including but not limited to, duly signed and filled physical Card application form, tele-application (over a recorded phone line) and electronic medium (Internet/ email).
“Application’ shall mean an application for a credit/ charge Card by the applicant or Card-member to IDFC FIRST Bank through various modes of applying, including but not limited to, duly signed and filled physical Card application form, tele-application (over a recorded phone line) and electronic medium (Internet/ email).
"Offer Period" shall mean the period commencing from ””__””, both days inclusive.
"Offer" shall mean:
3000 Bonus reward points will be awarded to Referrer by IDFC FIRST Bank on successful card setup of the Referee during the Offer Period through the referral platform.
2000 Bonus reward points will be awarded to Referee by IDFC FIRST Bank on making a minimum transaction of Rs.500 within 30 days of card setup.
"Primary Terms and Conditions" shall mean the terms and conditions applicable to IDFC FIRST Bank’s cards facility/service.
Offer
The program is valid for the IDFC FIRST Bank Credit Cardholder/s only and shall be valid and subsisting during the Offer Period, unless otherwise notified by IDFC FIRST Bank.
Cardholder can refer his friend/relative through Referral Program. Referrer will get 3000 bonus points on successful card setup of the Referee in his/her credit card account.
Referee will earn 2000 bonus reward points by making a minimum transaction of Rs.500 within 30 days of card setup.
Referrer will be awarded for a maximum of 5 successful referrals in a year and can earn a maximum of 15,000 bonus reward points under the Referral Program in a year.
The Referee should not have a live IDFC FIRST Bank credit card, only then the Referral and Referee are eligible for program benefits.
The bonus reward points will be credited to Referrer credit card account within 15 days of successful card setup.
The bonus reward points will be credited to Referee credit card account within 30 days of fulfilling the eligibility condition as mentioned above.
Card applications received only through referral link shared by IDFC FIRST Bank and initiated by the Referee shall only be eligible for IDFC FIRST Bank Credit Card Referral Program.
Other Terms and Conditions:
This Referral Program is valid on the following IDFC FIRST Bank Credit Cards – First Classic, First Millennia, First Select and First Wealth and any other credit cards as introduced by the Bank from time to time.
IDFC FIRST Bank employees shall not be eligible for bonus reward points through the Referral Program.
If a Cardholder ceases to be a Cardholder, at any time during the Offer Period, all the benefits under the program shall lapse and shall no more be available to such Cardholder.
In cases of more than one Referrer providing the same reference, the link used to apply for the card will be considered as final while deciding the referrer. In the event of a dispute, IDFC FIRST Bank shall have the sole and final discretion in deciding the first Referrer.
The Referrer confirms having obtained the consent of the person being referred for providing his/her details to IDFC FIRST Bank.
All queries with regards to the reward points will be valid/open for escalation only up to 90 days from successful card setup date.
General Terms and Conditions of IDFC Bank are applicable and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of this Offer shall be in addition to and not in derogation of the terms contained in the card members agreement.
The participation in the program is entirely voluntary and it is understood, that the participation by the Referrer shall be deemed to have been made on a voluntary basis.
Issuance of Credit Cards shall be at the sole discretion of IDFC FIRST Bank and is subject to internal processing.
In all matters relating to the program, the decision of IDFC FIRST Bank shall be final and binding in all respects.
These Terms and Conditions shall be in addition to and not in substitution / derogation to the terms and conditions governing the Facility / Primary Terms and Conditions. All capitalized terms used but not defined herein shall have the respective meanings ascribed to it in the terms and conditions applicable to the Facility / Primary Terms and Conditions.
IDFC FIRST Bank reserves the right to modify/ change all or any of the terms applicable to the program without assigning any reasons or without any prior intimation, whatsoever. IDFC FIRST Bank also reserves the right to discontinue the program without assigning any reasons or without any prior intimation, whatsoever.
This Offer shall be subject to all applicable laws, rules and regulations which are in existence and which may be promulgated anytime by any statutory authority.
Any dispute relating to this Offer shall be subject to exclusive jurisdiction of Mumbai Courts.
IDFC FIRST Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the goods and services offered by the franchisees of alliance partner. Any dispute or claim regarding the products and must be resolved by the Card Holder/s with the franchisees of alliance partner directly without any reference to IDFC FIRST Bank.
IDFC FIRST Bank reserves the right to disqualify the Card Holder/s from the benefits of the Offer and recover any benefits accrued through the program, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the said Offer or otherwiseby use of the Card.
