Best Credit Card for International Travel

All Benefits

  • 3 reward points per ₹200 on spends up to ₹20,000 in a statement cycle
  • 10 reward points per ₹200 on incremental spends above ₹20,000 in a statement cycle
  • Reward points redemption value: 1 reward point = ₹0.25
  • 33% bonus reward points on hotel bookings via IDFC FIRST Bank mobile app platform, capped at 8,000 bonus reward points per calendar month
  • Reward points redemption capped at 1,00,000 per calendar month and 2,00,000 per calendar year

Fees

Joining Fee ₹500 gift voucher on spending ₹5,000 or more within 30 days of card issuance
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
21-60 years
Salary
₹3L / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 1.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends Rs 100 - Rs 1.5 Rs 1000 - Rs 15 Rs 10,000 - Rs 150 Rs 1,00,000 - Rs 1500
1.50%
Finance Charges (APR) Finance charges of 0.71% - 3.75% per month (8.52% - 46.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid
0.71% - 3.85%
ATM Withdrawal ATM cash withdrawals are subject to a fee of ₹199 plus applicable GST per transaction. An interest-free period of up to 45 days is applicable from the transaction date, subject to payment of the total amount due
₹199
Reward Redemption No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment A fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment A cash payment fee of ₹100 is charged for payments made at bank branches
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹500₹200
₹501 - ₹5000₹200-₹350
₹5001 - ₹10000₹350-₹700
₹10001- and above₹700-₹1000

7% of the total amount due, subject to a minimum of ₹200 and a maximum of ₹1,000

Reward Exclusions

Fuel SpendsEMI SpendsWallet LoadsJewellery PurchasesCash AdvancesPayment of outstanding balancesBank Charges & FeesRent PaymentGovernment-related TransactionsInsurance PaymentsEducation Spends

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

Full charges and terms: Bank MITC / Terms