Up to 4 Reward Points per ₹150 on retail spends; up to 3 Reward Points per ₹150 on UPI spends
16.7% bonus RPs on hotels and 10% bonus RPs on flights via 'FIRST Rewards Gallery' on the IDFC FIRST Bank Mobile App
0% Zero Forex Markup on all international transactions
Complimentary domestic airport lounge access (1 visit per quarter) and railway lounge access
25% off (up to ₹100) on movie tickets monthly via District by Zomato
Fees
Joining FeeUp to ₹1,500 instant discount and flat 10% off on travel bookings, 3-Month complimentary EazyDiner Prime membership worth ₹1,095, ₹500 instant voucher on your first travel booking via the IDFC FIRST Bank Mobile App
₹885
₹750 + GST
Annual FeeThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy
₹885
₹750 + GST
Eligibility
Age
18-80 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup0% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency
0%
Finance Charges (APR)Finance charges of 0.71% to 3.85% per month 8.5% to 46.2% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.85%
ATM Withdrawal₹199 per transaction is charged on cash advances cash withdrawal using the credit card
₹199
Reward Redemption₹99 redemption fee per redemption transaction
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
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 2% of the payment amount (subject to a minimum of ₹500) is levied for cheque return
2%
Cash PaymentNo fee is charged on cash payment
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹500
₹100
₹5000
₹750
₹8000
₹1200
₹10,000
₹1300
₹10,000 & above
₹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).
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
