IDFC FIRST SWYP Credit Card

200–4,000 milestone points per statement cycle; ₹0.25/point. The card costs ₹499 plus GST each year.

How this estimate works

FIRST SWYP gives one non-incremental milestone award per billing cycle based on total eligible spend: 200 points at ₹5,000, 500 at ₹10,000, 1,000 at ₹15,000, 2,000 at ₹30,000 or 4,000 at ₹60,000. This model assumes one ordinary eligible card purchase each month at the entered amount. It does not add the five milestone tiers together. Points worth ₹0.25 each require redemption; one ₹99+estimated GST charge is deducted from annual reward value if worthwhile. ₹499+GST annual membership is deducted separately and a first-year joining fee is not. Education, fuel, FASTag, rail, cash and UPI spends do not count toward the ordinary milestone. Special lower-rate category and partner offers are withheld. The optional FIRST Digital UPI card has its own ₹199+GST annual fee and 100 points per ₹5,000 of eligible UPI spend, not included here. EMI conversion can carry separate monthly fees; no EMI benefit or charge is included. Welcome benefits, annual-fee payment points, referral benefits, portal travel bonus and non-financial perks omitted. Actual billing-cycle total may differ from a single purchase and points never expire while valid.

Issuer terms

Issuer card benefits and voucher point value · Issuer card-specific earn tiers, exclusions and redemption values · Issuer fees, including reward-redemption charge

Terms checked 29 September 2026. The projected rupee value needs an eligible redemption; it is not statement cashback.