FIRST Millennia
FIRST Classic
FIRST Select
FIRST Wealth

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Credit Cards Fees & Charges

Joining Fees, Annual Fees and Add-on Card Fees

IDFC FIRST Bank Card Variant Joining Fee
(1st year) ₹
Annual Fee
(1st year) ₹
Annual Fee
(2nd year onwards) ₹
Add-on Card Fee
(Annually) ₹
FIRST Millennia Credit Card

 

 

 

Nil

 

 

 

Nil

 

 

 

Nil

 

 

 

Nil

FIRST Classic Credit Card
FIRST Select Credit Card
FIRST Wealth Credit Card
Employee Credit Card

Finance Charges*

IDFC FIRST Bank Card Variant Interest Rate on Purchases due
(Will be charged if payment made is between Minimum Amount Due and Total Amount Due values)
Interest Rate on Cash Advances
(will be charged if Total Amount Due is not paid by the Payment Due Date)
Overdue Interest
(Will be charged on non-payment of Minimum Amount Due (MAD) by the Payment Due Date)
FIRST Millennia Credit Card

 

 

 

 

Monthly Rate - 0.75% - 3.0%


Annual Rate - 9% - 36%

 

 

 

 

Monthly Rate - 0.75% - 3.0%


Annual Rate - 9% - 36%

 

 

 

 

Monthly Rate - 3.99%


Annual Rate - 47.88%

FIRST Classic Credit Card
FIRST Select Credit Card
FIRST Wealth Credit Card
Employee Credit Card

 

*The finance (interest) rates applicable to a Cardholder depend on internal policy parameters of the Bank. These are final and binding, and subject to change at Bank’s discretion.

Other Fees and Charges

 

 

Cash advance – transaction

fee**

 

 

₹250

Late payment charges

15 % of Total Amount Due

(subject to a minimum of ₹100 and a maximum of ₹1000)

Over-limit (Up to 10%)

charges

NIL

Return of cheque/Auto Debit/

Payment Return

₹250 per Returned cheque/Auto Debit/ Payment Return

Reward Redemption Fee

NIL

Fee on cash payment at

branches

NIL

Outstation cheque

processing fee

NIL

Duplicate statement request

NIL

Card replacement fee

₹100

Cheque / Cash pick-up fee

NIL

Chargeslip request

NIL

Foreign currency

transactions (Mark Up)

FIRST Millennia Credit Card, FIRST Classic Credit Card - 3.5%

FIRST Select Credit Card, Employee Credit Card - 1.99%

FIRST Wealth Credit Card - 1.5%

EMI Fees

1% of transaction value (minimum ₹99)

Fee will be levied if booked through any channel, unless done at the

Point-of-Sale terminal or merchant website/ app

Railway booking –

surcharge^

1.80% of transaction value for internet transactions

(Refer IRCTC website for detailed fee structure)

Fuel surcharge (1%)^

1% of transaction value

Surcharge Waiver upto ₹200 per statement cycle on FIRST Millennia Credit Card,

FIRST Classic Credit Card (GST applicable)

Surcharge Waiver upto ₹300 per statement cycle on FIRST Select Credit Card,

Employee Credit Card (GST applicable)

Surcharge Waiver upto ₹400 per statement cycle on FIRST Wealth Credit Card

(GST applicable)

Goods and Service Tax

(GST)

At rates as notified by the Government of India, presently @ 18% is applicable on all fees, interest and other charges and is subject to change.

**International amount billed post conversion to INR via DCC viz. dynamic currency conversion (i.e. a service offered at certain international merchant outlets/ATMs which allows a Card member to convert a transaction denominated in a foreign currency to local currency i.e. Indian Rupees at the point of withdrawal/sale) may include any fees / charges levied by the acquiring bank or service provider.

^The Fuel transaction surcharge and Railway ticket booking surcharge are indicative only. These surcharges are levied by the acquirer (merchant’s bank providing terminal / payment gateway). Fuel Surcharge Waiver will be capped at 1% of the eligible fuel transaction amounts. GST on Fuel surcharge will not be reversed. The value on charge-slip will differ from the Credit Card statement since the Surcharge & GST is levied by acquiring bank post the transaction. The 1% surcharge waiver (excluding GST) for eligible transactions would reflect separately in the monthly Credit Card statement.

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