IDFC First SWYP Credit Card: Full Review

Credit cards ab hamare financial zindagi ka ek important hissa ban gaye hain, aur IDFC First SWYP Credit Card aise hi ek naya option hai jo market mein kuch khaas kar raha hai. Iss card mein kai suvidhaayein aur fayde hain, aur is article mein hum iske fees, benefits, aur khaas baaton ko explore karenge.

IDFC First SWYP Credit Card Fees aur Charges:

Joining & Renewal Fee
Rs.499+ Taxes

IDFC First SWYP Credit Card aata hai ek joining fee ke saath, jo hai Rs. 499 + taxes, aur renewal waive off ka koi criteria nahi hai. Iske alawa, cardholders ko ek digital RuPay card ke liye apply karne ka option milta hai, jiska joining fee hai Rs. 199 + taxes, aur ye existing card se link hota hai.

Welcome Benefits:

-Lenskart Gold annual membership
-Times Prime annual membership on spend of Rs.30,000 within 90 days of card issuance
-1000 Reward points on completing first EMI transcation

IDFC First SWYP Credit Card ka ek khaas feature hai uske welcome benefits. Cardholders ko milta hai Lenskart Gold annual membership, Times Prime annual membership agar ve card issuance ke 90 din ke andar Rs. 30,000 kharch karte hain, aur pehle EMI transaction complete karne par milte hain 1000 reward points.

Non-Spend Benefits:

-25% off up to Rs.100 on movies through paytm. Once a month
– 4 complimentary Railway lounge in a quarter
– 4 complimentary Roadside assistance services in a year

IDFC First SWYP Credit Card apne fayde ko sirf kharch karne tak hi nahi simat’ta. Cardholders ek mahine mein ek baar Paytm ke through movies mein 25% tak ki discount pa sakte hain, jo hai Rs. 100 tak. Iske alawa, unhe milte hain chaar complimentary railway lounge access ek quarter mein aur chaar complimentary roadside assistance services ek saal mein.

Spend-Based Benefits:

-Dominos:20% off upto Rs.80 on minimum bill of Rs.300. Twice in a calendar month
-EaseMyTrip:10% off up to Rs.500 on spends above Rs.5000. Once in a calendar month
-Tata Cliq: 10% off upto Rs.100 on minimum bill of Rs.1000. Once in a calendar month
-Zomato: 10% off upto Rs.100 on minimum bill of Rs.300. Twice in a calendar month
-No reward points on total spends less than Rs.5000 in a billing cycle

Card ke spend-based benefits ka maqsad hai overall user experience ko behtar banaye rakhna. Domino’s par Rs. 300 ke minimum bill par do baar har calendar month mein 20% tak ka discount, EaseMyTrip par Rs. 5000 ya usse upar ke kharch par har calendar month mein ek baar 10% ka discount, Tata Cliq par Rs. 1000 ke minimum bill par ek baar har calendar month mein 10% ka discount, aur Zomato par Rs. 300 ke minimum bill par har calendar month mein do baar 10% ka discount milta hai. Lekin agar billing cycle mein kul kharch Rs. 5000 se kam hai toh koi reward points nahi milenge.

Milestone-Based Rewards:

-200 reward points on total spends of Rs.5000 in a billing cycle
-300 reward points on total spends of Rs.10,000 in a billing cycle
-500 reward points on total spends of Rs.15,000 in a billing cycle

Card ke milestone-based rewards mein milte hain 200 reward points agar billing cycle mein kul kharch Rs. 5000 hai, 300 reward points agar Rs. 10,000 ka kharch hai, aur 500 reward points agar Rs. 15,000 ka kharch hai. Lekin fuel, rent, utilities, aur UPI par kiye gaye kharch is reward ke liye consider nahi hote.

UPI Milestone-Based Rewards:

Isme milte hain 100 reward points jab billing cycle mein UPI se kiye gaye kharch ka kul amount Rs. 5000 ho, lekin yahaan bhi fuel, rent, utilities, aur UPI ke through kiye gaye kharch ko consider nahi kiya jata.

Rent Payment Rewards:

Yadi billing cycle mein kiye gaye rent payments ka amount kam se kam Rs. 20,000 ho, toh milte hain 400 reward points.

Reward Points Redemption:

1 Reward Point = 25 Paisa

Reward points expire nahi hote hain aur inka redemption fee hai Rs. 99 + taxes. In reward points ko app purchases aur online payments par redeem kiya ja sakta hai, jahaan 1 reward point barabar hota hai 25 paisa ke.

No Interest on EMI:

EMI par koi bhi interest nahi hota, bas mahine ka flat fee dena hota hai. Ye card EMI centric hai, aur aapko Rs. 2500 ya usse zyada kharch karna hoga EMI par convert karne ke liye.

Conclusion:

Toh, sab kuch sochne ke baad, IDFC First SWYP Credit Card ek mast choice lagti hai. Joining fee thik hai, welcome perks bhi mast hain, aur roz ka kharcha bhi thoda kam padta hai discounts ke karan.

IDFC First SWYP Credit Card ke welcome benefits mein Lenskart Gold aur Times Prime ke memberships hai, jo kaafi faydemand hote hain. Aur fir movie discounts, railway lounge access, aur roadside assistance jaise extra perks bhi milte hain, jo bas card swipe karke hi nahi, thoda aur kuch bhi karte hain.

Discounts Domino’s, EaseMyTrip, Tata Cliq, aur Zomato par aur bhi mazbooti dete hain, alag-alag zindagi ke taur-tareeqon ke liye. Spending milestones pe rewards milte hain, jo aapko card ko zyada use karne ke liye badhaava dete hain.

Yaad rakhein, UPI transactions aur rent payments ke liye kuch extra rewards hain, lekin fuel, rent, utilities, aur kuch UPI spends count nahi hote kuch rewards ke liye.

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