IDFC FIRST Swyp Credit Card 2025
Save up to ₹35,000+ every year year with ₹5,000 vouchers, zero forex & completely free card!
If you’re young, love online shopping & travel abroad, the IDFC FIRST Swyp Credit Card is currently the best lifetime-free zero-forex card in India!
You get ₹5,000 Amazon/Flipkart vouchers on joining, zero forex markup forever, 4 domestic lounge visits, 1% fuel waiver, instant virtual card, stylish design, and 100% Lifetime Free — no joining fee, no annual fee, ever!
Reward points = Real Cash – redeem instantly for vouchers, statement credit or products!
Why This Is The Best Youth Card in 2025?
₹5,000 welcome vouchers • 0% forex forever • 4 lounge visits • Completely LTF • Instant virtual card • Stylish design
Best for: Gen-Z, students, first-time users, online shoppers, international travellers, students abroad
100% Lifetime Free – No joining, no annual, no hidden fee ever!
Card At a Glance
₹0
₹0 (Lifetime Free)
₹5,000 Amazon/Flipkart Vouchers
Up to 4X Points
0%
4 Domestic/year
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (Lifetime Free) |
| Welcome Benefit | ₹5,000 Amazon/Flipkart vouchers |
| Foreign Currency Markup | 0% (Zero forever) |
| Interest Rate | 0.75%–3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
Detailed Reward Rates (2025)
- 4X Reward Points per ₹150 on online spends
- 2 Reward Points per ₹150 on offline spends
- 1 Reward Point = ₹0.25–₹1 depending on redemption
- Instant virtual card + physical card in 7 days
- 4 domestic lounge visits per year (1 per quarter)
Airport Lounge Access
4 complimentary domestic lounge visits per year (1 per quarter)
Insurance & Protection Benefits
- Zero lost card liability
- Purchase protection up to ₹50,000
- Personal accident cover ₹5 Lakh
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| ₹5,000 welcome vouchers | Only 4 lounge visits |
| Zero forex markup forever | Reward rate moderate |
| Completely Lifetime Free | |
| Instant virtual card | |
| Stylish design |
Eligibility Criteria & Documents Required
- Age: 18–35 years (targeted)
- Minimum Income: ₹25,000/month or existing IDFC customer
- Credit Score: 700+
- Documents: PAN, Aadhaar, selfie (instant approval)
How to Apply Online (5-Minute Process)
- Visit IDFC FIRST Swyp website or app
- Enter mobile → Instant video KYC
- Virtual card in 2 minutes
- Physical card delivered in 7 days
Final Verdict – Should You Get It in 2025?
If you’re under 35 and shop online or travel abroad, IDFC Swyp gives you ₹5,000 vouchers + zero forex + lifetime free — hands-down the best youth credit card in India right now. Instant approval, zero fee, massive benefits — just apply!
Frequently Asked Questions (FAQs)
Really lifetime free?
Yes, 100% — no joining, no annual, no hidden fee ever.
Welcome vouchers?
₹5,000 Amazon or Flipkart vouchers on joining.
Zero forex?
Yes, 0% markup on all international transactions — forever.
Lounge visits?
4 domestic lounge visits per year.