Fourth gear on these is an overdrive. 3.524 x 0.914 = 3.22. Pretty close to 3.28.
Counting the ring/crown gear teeth is more accurate. Just pull off the triangular plate and start counting. 3.52 has 74 teeth.
1989-1994 US Swift/Metro 5-speed:
1st = 3.416 (3.583 1998+ 1298cc)
2nd = 1.894
3rd = 1.280 (1.375 non-US GTi)
4th = 0.914 (1.030 non-US GTi)
5th = 0.757 (0.870 non-US GTi)
Reverse = 3.273