SwipeYield Review
A lifestyle-centric card for young adults focusing on brand savings and peer referrals.
LifestyleShoppingDiningUPI
IDFC FIRST SWYP Credit Card
By IDFC FIRST Bank
3.7SwipeYield Rating
Joining Fee₹499 + GST
Annual Fee₹499 + GST
Fee Waiver:
Annual fee waived via referral program (refer 1 successful friend)
🎁
Reward TypeReward Points
🌐
NetworkRuPay
Rewards
Base
Spend-based: 200-4,000 points on reaching specific monthly milestones (₹5k to ₹60k)
Accelerated
Up to 20% discounts at brands like Domino's, Nykaa, Zomato, and Sugr
Lounge Access
4 complimentary railway lounge visits per quarter; Airport lounge access unlocked via 10 referrals
Pros
- High instant discounts on youth brands
- RuPay-UPI ready
- Unique referral benefits
Cons
- No airport lounge by default
- Rewards are capped by milestones
- Annual fee for UPI version
Eligibility
- Age 21-35
- Monthly income of ₹25,000+