{"@type":"Question","name":"When can I claim referral benefits under the SWYP Referral Program?","acceptedAnswer":{"@type":"Answer","text":"Referral benefits are credited within 30–45 days of achieving the referral milestone, provided the referred cards remain active and in good standing."}},{"@type":"Question","name":"How many referrals can I make?","acceptedAnswer":{"@type":"Answer","text":"You can make unlimited referrals. However, benefits are applicable only for the first 10 successful referrals, where the referred card remains active for one year after issuance."}},{"@type":"Question","name":"Can I withdraw cash using the IDFC FIRST SWYP Credit Card?","acceptedAnswer":{"@type":"Answer","text":"No, cash withdrawal is not enabled on this card."}},{"@type":"Question","name":"What are the charges on Reward Points redemption?","acceptedAnswer":{"@type":"Answer","text":"A convenience charge of Rs. 99 (+ applicable taxes) is levied per redemption transaction."}},{"@type":"Question","name":"When will the joining fee be charged, and when do I have to pay it?","acceptedAnswer":{"@type":"Answer","text":"The joining/subscription fee of Rs. 499 + GST is charged on the day the card is issued. Payment must be made by the due date of your first statement to avoid late payment charges."}},{"@type":"Question","name":"What is the interest rate on the IDFC FIRST SWYP Credit Card?","acceptedAnswer":{"@type":"Answer","text":"This card does not offer a credit revolve facility. You can either:
Pay your entire statement balance by the due date, or
Convert eligible balances into easy EMIs at a flat monthly EMI conversion fee."}},{"@type":"Question","name":"Is there a joining fee or annual fee on the IDFC FIRST SWYP Credit Card?","acceptedAnswer":{"@type":"Answer","text":"Yes. The card has a joining fee of Rs. 499 + GST (first year) and an annual subscription fee of Rs. 499 + GST (from the second year onwards). However, the joining fee is waived if you successfully refer one customer under the IDFC FIRST SWYP referral program."}}]}
