IDFC First Bank - Private Credit Card
Card Intro
Welcome Benefits
Welcome Gift of 2,00,000 reward points equivalent to Rs. 50000 on paying joining fee and Complimentary Taj Epicure Membership.
Credit card with Zero Forex Charges and Unlimited lounge access.
Interest Free Period
20 to 48 Days
Payment Gateway
Visa
Card Fees
Joining Fee(once)
Rs. 50000
Annual Fee(2nd year onwards once)
Rs. 50000
Add-on Card Fee
Nil for 1st, Rs. 4000 for 2nd Add-on
Annual Fee Waive off
Renewal Gift of 1,00,000 reward points equivalent to Rs. 25000 on paying annual fee and Complimentary Taj Epicure Membership.
Card Features, Rewards and Benefits
Cashback
Nil
Rewards
10X Reward Points for every Rs. 100 spent on incremental spends above Rs. 30,000 per month and spends done on Cardholder’s Birthday.
6X Reward Points on online purchases and 3X Reward Points on offline purchases for spends up to Rs. 30,000 per month and 1 Reward Point on Insurance premium payments for every Rs. 100 spent, except Fuel, Insurance, EMI transactions & Cash withdrawals.
Also 1 Karma Point for every Rs. 100 spent above Rs. 30,000 in each statement cycle.
Milestone Benefits
Nil
Fuel Surcharge Waiver
1% for transactions between Rs. 200 to Rs. 5000.
No Capping on Fuel Surcharge waiver.
Dining
Nil
Movie Benefits
Buy one movie ticket at Bookmyshow and get upto Rs.750 off on the second ticket for a maximum of 2 bookings in a month. (BOGO on BookMyShow)
Lifestyle Benefits
24 complimentary Golf rounds or Golf lessons per year, 2 per month and Visa Infinite offers.
Travel Benefits:
Zero Forex Charges and Unlimited lounge access.
Lounge Benefits
For Domestic – Unlimited complimentary lounge and Spa access per quarter. (For both Primary and Add-on Credit Cards)
For Domestic Railway lounges – 16 complimentary Railway lounge visits per year via DreamFolks.
For International Lounges – Unlimited complimentary lounge access per quarter. (For both Primary and Add-on Credit Cards)
Hotel Benefits
Nil
Insurance Benefits
Complimentary personal Air Accident Insurance Cover of up to Rs. 1 crore.
Complimentary Credit Card Fraud Liability cover of Rs. 50000 on reporting unauthorized transactions within 24 hours of loss/theft of the card.
Complimentary Cancellation For Any Reason (CFAR) Insurance cover up to Rs. 50,000 on 2 claims, available for hotel and flight booking cancellations. (Trip Cancellation Cover)
Concierge Benefits
Complimentary Roadside Assistance (RSA) all over India, up to 4 times in a year worth Rs. 1,399 through Global Assure.
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Nil
Cash Withdrawal Fees or Cash Advance Fees
Rs. 199
Card Replacement Fees
Rs. 4000
Charge slip Retrieval Fee
Nil
Cheque Payment Fee
Nil
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
Nil – Zero Forex Charges
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)
Nil – Zero Forex Charges
Late Payment charges
Nil
Outstation Cheque Fee
Nil
Over Limit Fees
Nil
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.