Earn 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday
Earn 3X Reward Points on applicable online and offline purchases for spends upto Rs 20,000 per month
Get 33% bonus Reward Points on hotel bookings and 13% on flights when booking via FIRST Rewards Gallery on the IDFC FIRST Bank app
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup1.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
1.50%
Finance Charges (APR)3.85% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.
0.71% to 3.85%
ATM WithdrawalA flat fee of ₹199 plus applicable GST is charged per cash withdrawal using the credit card.
₹199 + GST per transaction
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge1% of the transaction amount + GST will be charged on Railway Ticket Purchases.
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges.
1%
Cheque PaymentA fee of ₹100 is charged for payments made by cheque.
₹100
Cash PaymentA fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹200
₹501 - ₹5000
₹200-₹350
₹5001 - ₹10000
₹350-₹700
₹10001- and above
₹700-₹1000
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.
