IDFC First Bank Digital RuPay Credit Card
Card Intro
Welcome Benefits
Welcome Gift of 100% cashback of Rs. 200, up to Rs. 50 each, on first 4 UPI transactions done within 15 days of IDFC First Bank Digital RuPay Credit Card issuance.
Digital RuPay UPI enabled Credit Card issued against existing IDFC FIRST Bank credit cards for enabling UPI transactions.
Interest Free Period
20 to 48 Days
Payment Gateway
Rupay/UPI
Card Fees
Joining Fee(once)
Rs. 199
Annual Fee(2nd year onwards once)
Rs. 199
Add-on Card Fee
Nil
Annual Fee Waive off
Nil
Card Features, Rewards and Benefits
Cashback
Nil
Rewards
Rewards as per Primary Credit Card.
Milestone Benefits
Nil
Fuel Surcharge Waiver
As per Primary Credit Card
Dining
Nil
Movie Benefits
Nil
Lifestyle Benefits
Nil
Travel Benefits:
Nil
Lounge Benefits
As per Primary Credit Card
Hotel Benefits
Nil
Insurance Benefits
Nil
Concierge Benefits
Nil
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Nil
Cash Withdrawal Fees or Cash Advance Fees
Rs. 199
Card Replacement Fees
Nil
Charge slip Retrieval Fee
Nil
Cheque Payment Fee
Nil
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
As per Primary Credit Card
Duplicate Statement Fee
Nil
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
Rs. 99 or 1% of the transaction amount (whichever is higher)
Finance Charges
0.75% to 3.65% per month (9% to 43.8% per annum)
Foreign Currency Transaction fee(Forex Charges)
As per Primary Credit Card
Late Payment charges
As per Primary Credit Card
Outstation Cheque Fee
Nil
Over Limit Fees
As per Primary Credit Card
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
2% of the payment amount subject to Min. Rs.500
Payment of Customs duty
N/A
Priority Pass Lounge Charges
N/A
Railway Tickets Surcharge
as per IRCTC website
Rental Transaction Fee
1% of transaction value, minimum of Rs. 249 per transaction
Reward Points Redemption Fee
Rs. 99
Any Other Charges
N/A
Terms & Conditions!
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.