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IDFC BANK
No interest rate at all — a flat monthly EMI conversion fee from Rs. 49 instead
One-time
Per year
Capped at ₹1,000/month
Score 700+
Applying takes you to IDFC BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from IDFC BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
Pays up to ₹1,000 a month — reached at about ₹100 of spend
Data-driven verdict based on net earnings after fees and caps.
Key strength
1000% on Everything else — Paid at monthly milestones, not per transaction: 200 points above Rs. 5,000, 500 above Rs. 10,000, 1,000 above Rs. 15,000 and up to 4,000 above Rs. 60,000., up to ₹1,000 per month.
Biggest limitation
Rewards arrive only at monthly spend milestones. Individual transactions earn nothing, and a month under Rs. 5,000 earns nothing at all.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1000 pts
cappedEverything else
Pays up to ₹1,000 per month — reached at about ₹100 of spend.
Paid at monthly milestones, not per transaction: 200 points above Rs. 5,000, 500 above Rs. 10,000, 1,000 above Rs. 15,000 and up to 4,000 above Rs. 60,000.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹589 | — |
| Annual / renewal fee | ₹589 | — |
| Late payment | 15% | 15% of the total amount due, subject to a minimum of Rs. 100 and a maximum of Rs. 1,300 |
| Foreign currency markup | 0% | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹589 a year
charged with no published way to avoid it
We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IDFC BANKIDFC FIRST Ashva Credit Card₹3,539
ICICI BankICICI Bank Parakram Credit CardLifetime free
STATE BANKSBI Card Unnati₹589
RBL BankIndianOil RBL Bank Credit Card₹590
ICICI BankEmirates Skywards ICICI Bank Rubyx Credit Card₹1,180
STATE BANKReliance SBI Card₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IDFC FIRST SWYP Credit Card · this card | ₹589 | 1000% everything else | Not recorded |
| IDFC FIRST Ashva Credit Card | ₹3,539 | Up to 10 reward points per ₹100 | Included |
| ICICI Bank Parakram Credit Card | Lifetime free | Up to 1.25% rewards | Included |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹589 plus GST, with no published spend-based waiver.
The strongest published rate is 1000% on everything else, capped at ₹1,000 per month — so roughly ₹100 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
We do not have lounge details recorded for this card. Check the issuer’s page.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
Redeemed from the IDFC FIRST Bank rewards catalogue at Rs. 0.25 a point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IDFC FIRST SWYP Credit Card — 1000% on everything else, up to ₹1,000 per month. ₹589 a year.