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Frequently Asked Questions

Card Features

Payments & Billing

Security & Privacy

Fees & Limits

Account Help

01. Does Swiftcard offer cashback or rewards?

Yes! Swiftcard rewards you for your everyday spending. Earn up to 5% cashback on dining, travel, and select retailers. You’ll also gain access to exclusive offers and loyalty points that can be redeemed for future purchases or perks.

02. Can I set spending limits or alerts?

Yes, you have full control over your account. Set custom spending limits for specific categories or cards, receive real-time alerts for every transaction, and stay informed about unusual activity or budget thresholds.

03. How does Swiftcard’s AI assistance work?

Swiftcard uses AI to analyze your spending habits and financial behavior. Based on this data, it provides budgeting tips, alerts on unnecessary charges, spending forecasts, and personalized financial recommendations to help you stay on track.

04. Are virtual cards available?

Yes, you can generate unlimited virtual cards for safer online shopping. Each card can be customized with its own limit, expiration, and vendor lock, offering enhanced security and control.

05. Can I freeze or unfreeze my card?

Definitely. With a single tap, you can freeze your physical or virtual Swiftcard in case of loss, theft, or suspicious activity. Unfreezing is just as easy, ensuring peace of mind without disrupting your finances.

01. When is my payment due?

Your payment due date is clearly displayed in your dashboard. You’ll receive reminders a few days in advance, and you can customize alerts to ensure you never miss a payment and avoid late fees.

02. Can I set up autopay?

Yes, Swiftcard allows flexible autopay options. Choose to automatically pay the minimum due, full statement balance, or a custom amount every month so you stay worry-free and maintain a good credit score.

03. What happens if I miss a payment?

Missing a payment may result in a late fee and can affect your credit score. However, we offer a grace period and reminders, and our support team can assist with flexible repayment options if needed.

04. Can I view my payment history?

Yes, your entire transaction and payment history is securely stored and easily accessible in your account dashboard. You can download statements or export your data for bookkeeping purposes.

05. Does Swiftcard support Apple Pay/Google Pay?

Yes, Swiftcard seamlessly integrates with Apple Pay and Google Pay. Simply add your card to your wallet app and enjoy contactless, secure payments wherever digital wallets are accepted.

01. How secure is Swiftcard?

Swiftcard uses end-to-end encryption, biometric login, and real-time fraud monitoring to ensure your account and transactions are always safe. Our platform is built with banking-grade infrastructure and complies with top industry standards.

02. What should I do if my card is stolen?

If your card is lost or stolen, immediately freeze it via the app or web dashboard. You can request a new physical or virtual card instantly, and our fraud team will monitor for any unauthorized activity.

03. Is my data shared with third parties?

Your privacy is important to us. Swiftcard never sells your data. Any information shared is encrypted and only used to improve your experience or comply with legal regulations.

04. Do you offer identity theft protection?

Yes, all Swiftcard users are covered by SwiftProtect™, our identity protection program that includes alerts, dark web scanning, and assistance if your identity is ever compromised.

05. How do you prevent fraud?

Our AI monitors all transactions in real time and flags unusual activity instantly. Combined with 2-factor authentication and instant freeze features, this provides a strong line of defense against fraud.

01. Are there any hidden fees?

No hidden surprises. We believe in full transparency. All fees, including interest rates or international charges, are clearly listed in your plan details so you can manage your finances with confidence.

02. Is there an annual fee?

Most of our basic and standard plans come with zero annual fees. If you opt for a premium card with additional perks, a small annual fee may apply—but it’s always disclosed upfront.

03. What are the spending limits?

Spending limits vary depending on your credit profile, usage, and repayment history. Limits can increase over time as your creditworthiness grows, and you can view or request changes anytime.

04. Are there foreign transaction fees?

Depending on your card type, you may enjoy no foreign transaction fees or a significantly reduced rate. Swiftcard is built for global users, so we keep international usage affordable and easy.

05. Can I increase my credit limit?

Yes, you can request a credit limit increase through your dashboard. We review your payment history and spending patterns, and if eligible, your new limit will be applied within 24–48 hours.

01. How do I contact customer support?

Support is available 24/7 via live chat, email, or phone. Our team is trained to help with everything—from card issues to account questions—so you always have expert help when you need it.

02. Can I cancel my account anytime?

Yes, if you decide Swiftcard isn’t for you, you can cancel your account at any time without penalty. Just clear any pending balances and contact support through your account settings.

03. How do I reset my password?

Simply click on “Forgot Password” on the login page or go to the profile section in your app. Follow the secure reset link sent to your registered email to update your password.

04. Is there a help center or knowledge base?

Yes, our Help Center includes in-depth articles, step-by-step guides, and answers to most common questions, helping you navigate Swiftcard easily.

05. Do you offer live chat support?

Yes, live chat is available inside the app and web dashboard. Speak to a real person within minutes and get quick resolutions to your questions or concerns.

Experience a Smarter, Safer Credit Card with SwiftCard

01. Select Your Swiftcard

02. Customize Your Benefits

03. Spend & Earn Instantly

Explore Innovative, Secure, and Rewarding Credit Card Options

Instant Activation

EMV Payments

Spending Alerts

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Frequently Asked Questions

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