IDFC FIRST Bank Credit Card Fees and Charges
IDFC FIRST Bank credit cards involve fees such as annual or renewal charges, interest on outstanding balances, late payment penalties, and cash withdrawal or foreign transaction fees. Being aware of these charges ensures better financial planning and helps you use your credit card responsibly.
IDFC FIRST Bank offers multiple credit cards that come at various fees, including annual or renewal charges (applicable on selected cards), interest on unpaid balances, and late payment penalties. Some cards also come with add-on card fees while some are absolutely free. Understanding these helps cardholders avoid extra costs and manage finances efficiently.
What are the Different Fees and Charges on IDFC FIRST Bank Credit Cards?
IDFC FIRST Bank credit cards offer various features and benefits, but most of them come at certain fees and charges. The details about the applicable fees including joining and annual fees of various card variants are mentioned below:
Joining and Annual Fees
Annual and renewal fees are waived for most card variants, except for a few exceptions. Applicable charges for FIRST Private are shared at issuance, with one complimentary add-on and Rs.4000 per additional card.
The details about the joining and annual fees on IDFC FITST Bank credit cards are mentioned on the table below:
Credit Cards | Joining and Annual Fee |
FIRST Millennia Credit Card, FIRST Classic Credit Card, FIRST Select Credit Card, FIRST Wealth Credit Card, Employee Credit Card, FIRST WOW! Credit Card, LIC Classic Credit Card, LIC Select Credit Card | Nil |
FIRST Digital RuPay Credit Card | Rs.199 |
FIRST Power Credit Card, FIRST Power+ Credit Card | Rs.499 |
Club Vistara IDFC FIRST Credit Card | Rs.4,999 |
FIRST Private Credit Card | Rs.50,000 |
Note:
- Image personalisation fee is Rs.499 for primary and add-on cards
- This fee is not applicable to FIRST Private, LIC Classic & LIC Select, FIRST Power & FIRST Power+ Credit Card, and FIRST Digital RuPay Credit Card
Credit Cards | Add-on Card Fee |
LIC Classic Credit Card, LIC Select Credit Card | Nil |
FIRST Digital RuPay Credit Card | NA |
FIRST Private Credit Card | First add-on card: Nil Second card onward: Rs.4000 per card |
Finance Charges (Interest rate)
Finance charges apply if the total amount due is unpaid by the due date or previous dues. Interest is charged daily on all transactions, including cash advances, from the transaction date until the full outstanding is cleared.
The details about the finance charges on IDFC FITST Bank credit cards are mentioned on the table below:
Credit Cards | Interest rate |
FIRST Millennia Credit Card, FIRST Classic Credit Card, FIRST Select Credit Card, FIRST Wealth Credit Card, Employee Credit Card, FIRST WOW! Credit Card, FIRST Power Credit Card, FIRST Power+ Credit Card, Club Vistara IDFC FIRST Credit Card, FIRST Digital RuPay Credit Card, LIC Classic Credit Card, LIC Select Credit Card | 0.75% - 3.5% (monthly rate) 9% - 42% (annual rate) |
FIRST Private Credit Card | 0.75% (monthly rate) 9% (annual rate) |
Note: These interest rates are charged if payment made between Minimum Amount Due and Total Amount Due values.
Credit Card / Fee Type | Details |
FIRST Millennia / Classic / Select / Wealth / Employee / WOW! / Power / Power+ / Club Vistara IDFC / FIRST Digital RuPay / LIC Classic / LIC Select | Overdue Interest: 3.99% (monthly rate), 47.88% (annual rate) |
FIRST Private Credit Card | Overdue Interest: 3.99% (monthly rate) |
Note: This will be charged on non-payment of Minimum Amount Due (MAD) by the Payment Due Date.
Late Payment Charges
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. A 15% fee is levied on the outstanding amount (after payments), ranging from Rs.100 to Rs.1,250, and may change with prior notice.
The late payment charges of IDFC FIRST Bank credit cards are mentioned in the table below:
Credit Card / Fee Type | Details |
FIRST Private Credit Card | Charges: Nil |
All other cards |
|
Foreign Currency Transaction
Transactions in foreign currencies are converted into INR at the settlement date, which may differ from the transaction date. Non-USD transactions are routed via USD, using card network rates plus applicable currency conversion markup.
The foreign currency transaction charges of IDFC FIRST Bank credit cards are mentioned in the table below:
Credit Card / Fee Type | Details |
FIRST Millennia / Classic / Power / Power+ / LIC Classic / LIC Select | 3.5% |
Club Vistara IDFC FIRST Credit Card | 2.99% |
FIRST Select / Employee Credit Card | 1.99% |
FIRST Wealth Credit Card | 1.5% |
FIRST WOW! / FIRST Private Credit Card | Nil |
FIRST Digital RuPay Credit Card | As per primary credit card |
Other Fees and Charges
Some other applicable fees and charges on various IDFC FIRST Bank credit card variant are listed in the tables below:
Credit Card / Fee Type | Details |
Over-limit charges | FIRST Private Credit Card: Nil, FIRST WOW! Credit Card: NA All other cards: 2.5% of the over limit amount (minimum of Rs.500) |
Return of cheque / Auto Debit / Payment Return | Rs.250 per request |
Outstation cheque processing fee | Nil |
Duplicate statement request | Nil |
Fee on cash payment at branches / Cheque/Cash processing fee | Nil |
Reward Redemption Fee | Rs.99 per redemption |
Card replacement fee | FIRST WOW!, FIRST Wealth, FIRST Power, FIRST Millennia, FIRST Classic, FIRST Select, Employee, FIRST Power+, Club Vistara IDFC, LIC Classic, LIC Select: Rs.100; FIRST Private: Rs.4000; FIRST Digital RuPay: Nil |
EMI Processing Fees | 1% of transaction value (minimum of Rs.99) |
Fuel Surcharge Waiver | 1% (applicable on fuel transaction value of Rs.200 to Rs.5000) |
FAQs on IDFC FIRST Bank Credit Card Fees and Charges
- What is the payment due date of IDFC FIRST Bank credit cards?
The payment due date of IDFC FIRST Bank credit cards varies between 15 and 20 days from the statement date depending on the outstanding dues repayment history. The due date may change at the discretion of the Bank.
- Does IDFC FIRST Bank offers interest-free period to the credit card users?
IDFC FIRST Bank offers an interest-free period of 48 days for credit card users.
- How can IDFC FIRST Bank credit card users make payment towards the card amount?
IDFC FIRST Bank credit card users can make card payment via net banking, cheque, IMPS or NEFT, UPI, cash payment, etc.
- Where can I contact in case of any disputes related to IDFC FIRST Bank credit cards?
In case you have any issues or queries related to your IDFC FIRST Bank credit cards, contact the customer care center by calling 24x7 helpline number 1800 10 888. You can also write an email at banker@idfcfirstbank.com.
- What fees are charged on IDFC FIRST Bank credit cards?
These may include annual or renewal fees (on select cards), interest charges, late payment fees, cash withdrawal charges, and foreign currency markups.
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