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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
IDFC FIRST
entry
•••• •••• •••• 0000
SWYP
IDFC FIRST Bank • MasterCard• Entry
Annual Fee
₹499
Base Reward Rate
1.60%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
₹499
Verified
2026-05-25
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
4 railway lounges/qtr.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹9,408
Blended 1.51% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Targeted at 18-35. 1-yr Times Prime on ₹30K in 90 days. Lenskart Gold 1yr.