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IDFC FIRST Bank

Swiggy IDFC Credit Card

VisaMidCashback
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Annual Fee

Free

Reward Type

Cashback

Forex

0%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree

Rewards

Reward TypeCashback
Base Rate5%
Point Value₹1/point

Category Multipliers

swiggy10%(cap ₹1,500)instamart5%(cap ₹500)

Travel & Global

Forex Markup0% - Zero Forex ✓
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

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💡 Fee Waiver Strategy

No annual fee ever for this card.

✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸Earn 5% cashback on Swiggy orders.
  • ▸Max cashback capped at ₹500 per month.
  • ▸Use for dining and groceries to maximize rewards.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹57,000

Effective Rate

4.8%

Ranked #3 of 173 cards🏆 Top 10

🏷️ Best For

diningcashback