Best Credit Card

All Benefits

  • 1% cashback on online spends up to ₹10,000 in a statement cycle and 2% on incremental online spends above ₹10,000
  • 1% cashback on UPI Scan & Pay through the IDFC FIRST Bank Mobile App
  • 1% bonus cashback on flight and hotel bookings made in the app
  • Keep Earning Up to 6.5% Interest on Your FD

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
18-80 years
Salary
₹25K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency, including dynamic and static currency conversion transactions Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR) Finance charges of 3.85% per month 46.2% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.85%
ATM Withdrawal A flat fee of ₹199 plus applicable GST is charged per cash withdrawal using the credit card
₹199
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal, subject to a minimum of ₹500
2%
Cash Payment This fee is not applicable for this card
Not Applicable

Late Payment Charges

Amount dueFee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹5,000₹750
₹5,001 – ₹8,000₹1200
₹8,001 – ₹10,000₹1300
Above ₹10,000₹1300

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date minimum ₹100, maximum ₹1,300

Reward Exclusions

ATM Cash WithdrawalEMIUPI (Third Party)Utility BillsRentJewelleryWallet LoadInsuranceGovernment Services

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms