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Credit Card
Hacks to get the best credit card offers and deals every time you shop
Summary: You end up spending a lot when you shop for festivals, emergencies, or birthdays. But with credit card offers, you can save, earn rewards, and take advantage of spending on credit. Read on to learn how.
Sanya, 27, lives independently. Last month, her washing machine broke down, and her laptop needed repairs. This resulted in a sudden need for large purchases and a lot of overspending. To ensure this doesn't happen again, she did some research and found out that a credit card could help her curb overspending, manage sudden purchases, and stick to her budget.
This month, she got the FIRST SWYP Credit Card. It offers great deals on online shopping, discount offers, big rewards on large purchases, and the option of converting large purchases to EMI. Sanya will now be able to save money better and use her credit card in case of an emergency. You can do that, too, by implementing a few best practices.
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Mistakes that lead to overspending
You can overcome overspending by being mindful of your expenses and avoiding common mistakes like these -
- Not budgeting - It is necessary to create and stick to a budget. Not sticking to your budget will lead to extra spending and disrupt your financial standing. Credit card offers can help you stay within your budget. But without a budget, managing your finances will become very difficult, and credit card offers might not help much
- Impulse buying - Planning your expenses is crucial. Festivals, birthdays, and holidays are times when one expects to spend more, and credit card offers can provide big discounts during those times. But if you don’t plan or control your spending, you might end up overspending and face challenges
- Ignoring small expenses - When you ignore all small expenses, they add up over time and cause a major budget imbalance
- Not tracking expenses – By always tracking your expenses, it becomes easier to spot areas of overspending and where you can cut back on. This easily brings you back on track, and with some help from credit card offers, you'll save more
- Credit card misuse - Although credit cards offer discounts and rewards leading to more savings, misuse can land you in trouble. In addition to disrupting your finances, misusing your credit card will harm your credit score, reduce your chances of getting loans, and may lead you into a debt trap
It is important to understand your expenses for better financial management. Only then can credit card offers boost your savings and help you manage them better.
How to use your credit card for the best offers
When it comes to managing your expenses, a credit card can be a lifesaver. You can get better deals while earning rewards every time you shop. Here’s how –
- Choose a card that matches your lifestyle – A credit card offers more than convenience and credit. The best way to get more out of your credit card is to switch to one that’s in sync with your lifestyle to help you get better benefits.
For example, the FIRST SWYP Credit Card offers benefits specially created for young adults. From discounts on online shopping to offers on movie tickets and dining to fuel surcharge waivers, this card caters to the needs of the youth while helping them manage their finances easily. For example, you get 20% off up to ₹270 on SUGAR Cosmetics (on a minimum order of ₹1,250), once a month.
- Equated monthly instalments (EMIs) – You can escape a financial crunch by converting your large purchases to EMIs with your credit card. This would lower the financial burden and allow you to pay the amount in affordable monthly instalments. This makes sure you get the best deals when you shop while also keeping your spending under control
- Discounts and offers – Credit cards often offer seasonal discounts, promotional offers, and more on several brands. You can check the latest and ongoing credit card offers and make use of them to save big on all kinds of products and services. With IDFC FIRST Bank Credit Cards, you get great deals on food, travel, health, lifestyle, and more. For example, you’ll get 2000 reward points worth ₹500, on spending ₹5000, within 30 days from card issuance
- When choosing a credit card for yourself, remember to understand all the terms and conditions and benefits the card provides. This ensures optimum usage of your card and gives you maximum benefits
FIRST SWYP Credit Card: Bringing you the best credit card offers
If you are looking for a credit card that can upgrade your life and open doors to new experiences along with the benefits of a regular credit card, the FIRST SWYP Credit Card is for you.
The FIRST SWYP Credit Card is packed with an array of benefits, rewards, and discounts. It caters to Gen Z who loves new experiences and exploring new things. This credit card also offers attractive deals and discounts of up to 20% on popular online brands like Dominos, EasyMyTrip, Tata CLiQ, SUGAR Cosmetics, and Zomato.
These strategic partnerships ensure that you enjoy little luxuries and have the liberty to treat yourself and others easily. Check out more details below -
Brand |
Offer |
Frequency |
Dominos |
20% off up to ₹80 on orders above ₹299 |
Twice in a month |
EaseMyTrip |
10% off on Flights or Hotels up to ₹500 on transactions above ₹5,000 |
Once per month |
Tata CLiQ |
10% instant discount of up to ₹100 on a minimum purchase of ₹999 |
Once in a month |
SUGAR Cosmetics |
20% off up to ₹270 on a min. order of ₹1,250
|
Once a month |
Zomato |
10% off up to ₹100 on orders above ₹299 |
Twice in a month |
Complimentary roadside assistance
A key advantage of a FIRST SWYP Credit Card is its complimentary roadside assistance service. Whether you need a jumpstart or a flat tire, this service is there for you. You will be back on the road in no time with professional assistance delivered to your location with just a phone call.
1% fuel surcharge waiver
Fuel expenses can often eat into budgets, but with the FIRST SWYP Credit Card, you can kiss those worries goodbye. Fill up at select fuel stations and enjoy a 1% fuel surcharge waiver for up to ₹200 per month. Besides saving money, you can also save substantial amounts over time, making each trip a little better.
Other key FIRST SWYP Credit Card benefits
With the SWYP Credit Card, shopaholics have access to many exclusive benefits. From discounts and rewards to jaw-dropping perks, this card is a shopaholic's dream card.
Joining benefits
- Spend ₹5,000 or more within the first 30 days of card issuance, you will receive 2000 reward points worth ₹500
- You'll earn 1000 reward points on your first EMI conversion when you convert large purchases into simple EMIs
- With EMIs starting at just ₹49 and tenures starting at 3 months, this card offers you both financial flexibility and practical benefits
- You’ll also receive benefit of 25% off up to ₹100 on using Paytm.
- Discount coupons worth ₹2,100* on flight & hotel bookings on EaseMyTrip:
- Domestic flights
- ₹500 off on a minimum booking amount of ₹5,000 for one-way domestic flights
- ₹700 off on minimum booking amount of ₹7,000 for round trip domestic flights
- Domestic hotels
- ₹700 off on minimum booking amount of ₹4,000
* These offers are valid for 3 months from card issuance on payment of joining fee. Use the following code to avail the same – JOFFSWYP.
Maximise rewards with everyday payments
With its monthly milestone rewards structure, the FIRST SWYP Credit Card offers exceptional benefits.
- First milestone - 200 reward points on spending more than ₹5000
- Second milestone - Total 500 reward points on spending more than ₹10,000
- Third milestone - Total 1000 reward points on spending more than ₹15,000
With this card, you can also get reward points when you pay your rent. You earn 400 Reward Points for every ₹20,000 of rental spending each month. The attractive rewards and offers make it a smart financial choice to register your credit card on your preferred online rent payment platform.
Exclusive offers from IDFC FIRST Bank
With IDFC FIRST Bank's Credit Card, you'll get exclusive benefits and monthly offers from over 300 brands, including Tata CLIQ, Swiggy Instamart, MakeMyTrip, and more. If you use the Paytm app, you can also take advantage of a 25% discount on movie tickets up to ₹100 once every month.
Furthermore, for every ₹5000 you spend through UPI in a statement month, you earn 100 reward points.
How to apply for the FIRST SWYP Credit Card?
Applying for the FIRST SWYP Credit Card is a simple process. Follow these steps:
- Visit the official application page for the FIRST SWYP Credit Card
- Fill out the form with your personal and financial details
- Provide the necessary documents as per the bank's requirements, such as identity, address, and income proof
- Apply and wait for it to be reviewed by the bank
- Once your application is approved, you will receive your FIRST SWYP Credit Card at your registered address
Wrapping it up
Using your credit card correctly can help you get the best deals on online shopping, discount offers, and much more. This is why it is imperative that you choose the right card and understand all the terms and conditions of your credit card.
The FIRST SWYP Credit Card brings the best features and offers apps for managing your finances better while upgrading your life. Make the switch today!
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.
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