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Understand the costs of your IDFC FIRST Bank Credit Card to make informed decisions. Some of the most common IDFC FIRST Bank Credit Card charges include annual fees, late payment charges, and more.
Last updated on: February 26, 2026
IDFC Bank offers a range of credit cards with transparent and competitive fee structures. IDFC FIRST Bank Credit Card fees are designed to provide clarity and flexibility. Knowing the complete fee structure empowers you to make informed decisions about your spending habits.
Check out some of the types of IDFC FIRST Bank Credit Card charges levied when you:
Withdraw cash from ATMs using your credit card
Use your card outside India
Spend more than your credit limit
IDFC FIRST Bank offers credit cards with competitive annual fees, often waived based on usage. A joining fee, on the other hand, is a one-time payment that you make when applying for a credit card.
Check out IDFC FIRST Bank Credit Card charges and fees:
| Credit Card Variant | Joining Fees | Annual Fees |
|---|---|---|
IDFC Bank FIRST Millennia Credit Card |
₹199 + GST |
₹199 + GST |
IDFC Bank FIRST Classic Credit Card |
₹199 + GST |
₹199 + GST |
IDFC Bank FIRST Select Credit Card |
₹199 + GST |
₹199 + GST |
IDFC Bank Ashva Credit Card |
₹2,999 + GST |
₹2,999+ GST |
Club Vistara IDFC Bank FIRST Credit Card |
₹4,999+ GST |
₹4,999+ GST |
IDFC Bank Mayura Credit Card |
₹5,999+ GST |
₹5,999+ GST |
IDFC Bank FIRST Private Credit Card |
₹50,000 |
₹50,000+ GST |
IDFC Bank FIRST EA₹N Credit Card |
₹499 + GST |
₹499 + GST |
IDFC Bank FIRST SWYP Credit Card |
₹499 + GST |
₹499 + GST |
IDFC Bank Power Credit Card |
₹199 + GST |
₹199 + GST |
IDFC Bank Power+ Credit Card |
₹499 + GST |
₹499 + GST |
LIC IDFC FIRST Bank Credit Card |
NIL |
NIL |
IDFC Bank FIRST Wealth Credit Card |
NIL |
NIL |
IDFC Bank FIRST WOW! Credit Card |
NIL |
NIL |
Disclaimer: The joining and annual fees mentioned above may change at the issuer’s discretion.
Withdrawing cash from an ATM using your credit card can come at a cost. While it may seem convenient, it is essential to understand the associated charges. The following are the IDFC FIRST Bank Credit Card fees and charges for cash advance transactions:
Cash Advance Transaction Charges |
₹199 |
Disclaimer: The fees mentioned above may change at the issuer’s discretion.
Using your credit card abroad can often come with hidden costs as foreign exchange fees. These charges can significantly impact your travel budget. Most credit cards levy a forex mark-up fee.
The IDFC Bank FIRST Private Credit Card stands out, as it offers a 0% mark-up fee. Check out the IDFC FIRST Bank Credit Card forex charges below:
Forex Charges |
3.50% of the transaction amount |
Disclaimer: The fees mentioned above may change at the issuer’s discretion.
IDFC FIRST Bank typically charges a processing fee for balance transfers. This fee is a percentage of the total amount transferred. It can vary depending on the specific credit card and any ongoing promotions or offers.
The following are the details of the balance transfer fee charged by IDFC FIRST Bank.
Balance Transfer Processing Fee |
Communicated at the time of the transaction |
Disclaimer: The fees mentioned above may change at the issuer’s discretion.
Exceeding your credit card limit can lead to additional fees as a penalty for spending beyond your approved credit limit. IDFC FIRST Bank offers a unique advantage with its FIRST Private Credit Card. This particular card comes with a NIL over-limit fee.
Check out the IDFC FIRST Bank Credit Card charges & fees in the table added below:
Over-limit Fees |
2.5% of the over-limit amount subject to a minimum charge of ₹550 |
Disclaimer: The fees mentioned above may change at the issuer’s discretion.
Late payment charges can impact your finances significantly. Understanding these charges allows you to manage your payments effectively and maintain a healthy credit profile. Check out the IDFC FIRST Bank Credit Card charges and fees for paying your dues after the specified due date:
Late Payment Charges |
15% of the total amount due, excluding any payments received before the due date |
Disclaimer: The fees mentioned above may change at the issuer’s discretion.
Understanding additional fees is crucial for effective credit card management. Knowing these additional costs helps you make informed financial decisions and avoid unexpected expenses. Check other types of IDFC FIRST Bank Credit Card fees below:
| Type of Charges | General Range |
|---|---|
Finance Charges |
9% p.a. to 47.88% p.a. |
Rewards Redemption Fees |
₹99 |
Card Replacement Fee |
₹100 |
Cash Payment Fee |
NIL |
Disclaimer: The fees mentioned above may change at the issuer’s discretion.
Reviewer
The finance charge on IDFC FIRST Bank Credit Cards for purchases, cash advances, and outstanding balances range between 9% p.a. and 43.80% p.a. The finance charges on overdue interest extend up to 47.88% p.a.
The over-limit fee on IDFC FIRST Bank Credit Cards is 2.5% of the over-limit amount, subject to a minimum charge of ₹550. Certain cards like IDFC Bank FIRST Private Credit Card do not levy over-limit charges.
Yes, you will have to pay forex charges for international transactions. To avoid these charges, you can get the IDFC Bank FIRST Private Credit Card.
Yes, you will have to pay late payment charges if you do not clear your outstanding balance before the specified due date.
The annual charges of IDFC FIRST Bank Credit Cards depend on the variant you choose. Some cards do not require paying any annual charges. Others, like IDFC Bank FIRST Private Credit Card, have annual charges as high as ₹50,000.
You will need to clear your outstanding balance to avoid late payment charges. If you are unable to clear the entire balance, you can also pay the minimum amount due.
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