Text size:
S M L
Letter spacing:

Get App

FinFIRST Blogs

Credit Card

FIRST SWYP Credit Card: From groceries to travel, the shopping card that covers it all

Key Takeaways

The FIRST SWYP Credit Card is a shopping card that gives instant, year-round discounts on groceries, dining, fashion, beauty, and travel.
The guaranteed savings on Zepto, which cut costs on your biggest monthly expense, make it one of the best credit cards for grocery shopping.
\The digital-first features, easy EMIs, and consistent rewards also help it become one of the best credit cards for shopping in India.

29 Nov 2025 by Team FinFIRST

Shopping credit card for grocery, fashion, and travel discounts

Apply Now

From groceries and fashion to late-night food delivery, online shopping has become a daily habit for millions of Indians. In fact, the number of online shoppers in India has jumped from 140 million in 2020 to nearly 260 million in 2024, with projections suggesting it could touch 300 million by 2030.

And yet, while shopping has become easier, saving money hasn’t. Most cards and wallets lure you with one-time offers or limited-period deals, only to leave you hunting for promo codes later. But what if there was a shopping card that gave you guaranteed savings all year round without the fine print?

That’s exactly what the FIRST SWYP Credit Card does — a shopping card made for India’s new-age online buyers. Here’s why it works for your lifestyle.

Guide to Link Credit Card to Bank Account

A guide to linking credit cards to bank accounts for effective card management

Are loans against a credit card right for you? Here’s what to know!

What makes the best credit card for shopping in India today

There are so many credit cards in the market today. Here are a few essentials that can define the best credit card for shopping in India:

Flat discounts at partner brands so you save instantly, not someday in the future
Consistency of benefits all year round, instead of seasonal offers
Coverage across various categories, including groceries, dining, fashion, beauty, travel, and gadgets
Rewards or cashback, even on non-partner spends, for comprehensive value
Transparent pricing with no hidden fees or overly complicated redemption rules

Most importantly, the right shopping card should simplify your life, not add another layer of coupon codes and reward juggling.

Meet the FIRST SWYP credit card – your online shopping card for everyday life

The FIRST SWYP Credit Card positions itself as the smart shopping card built for digital natives. It promises real discounts every time you shop, eliminating the hassle of searching for promo codes.

Here are all the ways that this card helps you save instantly:

Category	Partner brand(s)	Discount or offer	Frequency
Groceries	Zepto	10% instant discount up to ₹50 on orders above ₹499	Once per month
Dining	Zomato	10% off up to ₹100	Twice per month
Dining	Dominos	20% off up to ₹80	Twice per month
Fashion	TATA CLiQ FASHION	10% off up to ₹100	Once per month
Fashion	Myntra FWD	10% off up to ₹350 on purchases above ₹850	Once per month
Beauty	Nykaa	10% off up to ₹500 on purchases above ₹3,000	Once per month
Travel	EaseMyTrip	10% off up to ₹500 on flights or hotels above ₹5,000	Once per month
	Goibibo	10% off on domestic flights up to ₹500 20% off on domestic hotels up to ₹5,000	Once per category per month
	MakeMyTrip	Instant discount worth ₹1,500 on hotel and flight bookings	within 90 days of card issuance

Why the FIRST SWYP Credit Card is the best choice for grocery shopping

Groceries are one of the biggest recurring expenses for every household. From fresh vegetables and milk to staples like rice, dal, and snacks, we all have a monthly grocery list that never seems to shrink. With the FIRST SWYP Credit Card, you can add your entire month’s groceries to Zepto and enjoy a 10% instant discount, available once a month and valid all year.

Compared to generic grocery cashback cards that offer limited or rotating benefits, the FIRST SWYP Credit Card makes grocery purchases smarter, simpler, and more rewarding, truly earning its spot as one of the best credit cards for grocery shopping.

How the FIRST SWYP Credit Card can save across your monthly shopping

To put the savings in perspective, here’s how you can benefit from this credit card:

Category	Monthly Spends	Discount %	Monthly Saving
Food Delivery & QSR (Zomato, Domino’s, Zepto)	10000	10%	410
Shopping & Apparels (Nykaa, Tata Cliq, Myntra FWD)	5000	10%	500
Travel (EaseMyTrip, GoIbibo, Travel Bookings on IDFC FIRST Mobile App)	10000	10%	1000
Movie Bookings (District)	600	25%	100

*This is a tentative calculation. The actual offers and savings may vary with time.

That’s nearly ₹24,120 saved annually, simply by using one shopping card to upgrade your lifestyle.

Extra perks that make your online shopping card even smarter

Savings aren’t the only advantage. The FIRST SWYP Credit Card brings a host of modern perks for the digital generation:

Digital-first onboarding to get your online shopping card instantly
Stylish, modern design that feels premium in your wallet
Easy EMI options that allow you to convert transactions above ₹1,500 into simple monthly instalments
Contactless payments and international acceptance

In short, it’s more than a shopping card; it’s a smart financial tool.

Why the FIRST SWYP Credit Card is the best credit card for always-on shoppers in India

For frequent online buyers, the FIRST SWYP Credit Card stands out as more than just a credit card. It’s a shopping card built around how we purchase today — groceries on apps, dinner on delivery, beauty products online, and last-minute travel bookings.

Unlike most cards that leave you waiting for cashback or scrolling through fine print, the FIRST SWYP Credit Card delivers instant discounts you can see at checkout. That’s what makes it one of the best credit cards for shopping in India.

So, if you’re looking for an online shopping card that saves you money across everything you already buy, it’s time to make the switch. Apply for the FIRST SWYP Credit Card today and start SWYP-ing your way to smarter savings.

Frequently Asked Questions

Can I use the FIRST SWYP Credit Card for EMI payments?

Yes, you can convert eligible transactions above ₹1,500 into easy EMIs with a flat monthly conversion fee. Merchant EMIs at the point of sale are also supported, with applicable interest and processing fees.

Is it worth paying the annual subscription fee?

Absolutely. With benefits worth over ₹60,000 every year and average savings of over ₹1,500 per month, the ₹499 + GST fee pays for itself within weeks.

How do milestone rewards work with the FIRST SWYP Credit Card?

You earn reward points on monthly spends: 200 points for ₹5,000, 500 points for ₹10,000, 1,000 points for ₹15,000, 2,000 points for ₹30,000, and 4,000 points for ₹60,000. Rewards are credited on the statement date. Certain expenses like rental, fuel, and cash withdrawals are excluded (1 Reward Point = ₹ 0.25).

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.