• As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits


You decide everything

Right from managing the
way you SWYP to the way you repay

Easy EMI

Breeze through your
bills with a
flat monthly EMI
conversion fee
starting at ₹49* + GST p.m.


Pay in full

Prefer settling what
owe in one go?
Go for it!

Get started with Amaze Welcome Offers

Activate UPI on your
FIRST SWYP credit card

  • New digital card instantly issued
  • Linked to your existing credit card with shared limit
  • Joining fee of ₹199 + GST and Annual fee (2nd year onwards) of ₹199 + GST
  • Limited Period Offer: 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
  • Rewards on UPI spends every month: 100 Reward Points on monthly UPI spends of ₹5,000 or more

    Know More

Go Big On Your Fav Brands

Guaranteed year-long discounts on our featured partners

Click on your favourite brand to know more

20% off up to ₹80 on orders above ₹299

Twice in a month

Dominos Pizza

10% instant discount up to ₹500 on flight or hotel bookings above ₹5,000

Once a quarter


10% instant discount up to ₹100 on purchase above ₹999

Once on a month

Tata Cliq

Get 10% off up to ₹100 on orders above ₹299

Twice in a month


Get amazed with FIRST SWYP

Simply SWYP or select

1000 Reward Points on
1st EMI conversion

Annual membership on
spending ₹30,000

Complimentary 1 Year Gold

20% instant discount
twice a month

10% instant discount
once a quarter

10% instant discount
once a month

10% instant discount
twice a month

Refer and earn
benefits worth ₹11K+

More delight with more SWYP, guaranteed

You get 200 Reward
Points on your
monthly spend of
> ₹ 5,000
Earn a total of 500
Reward Points on your
monthly spend of
> ₹ 10,000
Earn a total of 1000 Reward
Points on your
monthly spend of
> ₹ 15,000

*Terms & Conditions Apply

  • Monthly here means customer’s credit card billing cycle, Reward Points will be credited on statement date
  • Milestone rewards are not incremental; for e.g. On an eligible spend of ₹16,000, Customer will earn 1,000 Rewards Points only
  • Monthly Milestone Rewards not applicable on Rental^, Cash Withdrawal, Fuel & Utility transactions
  • ^400 Reward Points on minimum rental spends of ₹20,000 every month!
  • 1 Reward Point = ₹0.25

And it doesn’t stop there…

1% fuel surcharge waiver up to ₹200 p.m.

4 complimentary railway lounge access per quarter

25% Discount on Movie tickets

Complimentary Roadside Assistanceworth ₹1,399

Access to additional300+ merchant offerson all your fav categories, all year round

Spread the word and bump up


Refer 1 Subscription Fee
Waived Off

Get a sneak-peek of your card

Your Name

See how your name appears on the card

Disclaimer: This is for representation purpose only


Go on, it’s yours for the taking!

Enter your basic
personal detail
Tell us about your
Complete your
instant video KYC
(if required)
Get your card
Get Yours Now

Issuance of our Credit Card is subject to the bank's internal assessment and is at the sole discretion of IDFC FIRST Bank.

It’s a rewarding life with FIRST SWYP!

Rack up benefits worth ₹30,000+ every year for
an annual subscription fee as low as ₹499 + GST

EMI Privilege

Convert balances or transactions
into easy EMIs with flat
monthly conversion fees

Featured Partners

Year-long instant
discounts up to 20%
on our featured partners!

Monthly Milestone Rewards

SWYP for exciting Reward Points
on monthly eligible spends

Referral Benefits!

Get subscription fee waived
off and get many more benefits
by referring FIRST SWYP


Is there a Joining or Annual fee on FIRST SWYP Credit Card?

Yes, there is an Annual subscription fee on the FIRST SWYP Credit Card. The card comes with a Joining fee (1st year) of ₹499 + GST and an Annual subscription fee (2nd year onwards) of ₹499 + GST. The Joining fee will get waived off post 1 successful FIRST SWYP referral by the customer.

What will I get on paying Joining fee?

Paying the Joining fee for the FIRST SWYP Credit Card comes with several Joining Benefits like:

  • 1000 Reward Points on 1st successful EMI transaction within first 30 days from card issuance
  • Exclusive 1-year Times Prime Membership on net spend of minimum ₹30,000 or more within the first 90 days of credit card issuance
  • Complimentary Lenskart Gold Membership for 1 year on payment of Joining fee
    For more information refer to Privileges document.
When will the Joining fee be charged and when will I have to pay it?

The Joining fee or Subscription fee of ₹499 + GST will be charged on the day the card is issued. However, you are expected to make the payment within the 1st statement’s due date to avoid any late payment charges.

For example, if the card is issued on 5th December 2023, the Joining fee will be reflected in the first statement generated on 17th December 2023. The due date for payment will be 4th January 2024. You can pay the Joining fee anytime between 5th December 2023 to 4th January 2024.

When will the Annual subscription fee be charged and when will I have to pay it?

Annual subscription fee of ₹499 + GST will be levied every 12 months post the day of card issuance.

For example, if the card is issued on 5th December 2023. Annual fee for the 2nd year of ₹499 + GST will be charged on 5th December 2024. This fee will reflect in the statement which will be generated on 17th December 2024 (statement date for FIRST SWYP Credit Card) having a due date after 18 days which will be 4th January 2025. Customer can pay the Annual fee anytime between 5th December 2023 to 4th January 2025.

What is the interest rate on the FIRST SWYP Credit Card?

The FIRST SWYP Card makes payment convenient to the customer and allows the customer to either pay the statement balance in full or convert eligible balance into easy EMIs. There is no concept of credit revolve (i.e. carrying on payment dues to the next month). You can either pay your entire bill by the payment due date or convert your eligible balances into convenient EMIs.

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