FD Credit Card

All Benefits

  • Up to 5% cashback benefit on spends across various categories
  • Cashback worth up to ₹18,000 per year
  • 1% cashback on UPI spends when scanning and paying using IDFC FIRST Bank app
  • Credit limit equals 100% of FD value for deposits starting ₹10,000
  • Increase credit limit instantly by linking multiple FDs; additional FD starts at ₹5,000
  • Interest-free cash withdrawal for up to 45 days at a nominal fee of ₹199 + GST
  • Earn interest on FD and cashback on the card simultaneously

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee The annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST

Eligibility

Age
18-80 years
Salary
₹25K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50
Finance Charges (APR) Finance charges of 3.85% per month (46.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.85%
ATM Withdrawal ₹199 of the withdrawn amount is charged on cash advances using the credit card
₹199
Reward Redemption ₹99 per redemption request is applicable
₹99
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment Cash payment fee at IDFC FIRST Bank branches is NIL for IDFC FIRST Hello Cashback Credit Card
NIL

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹5000₹750
₹5001 - ₹8000₹1200
₹8001 - ₹10000₹1300
Above ₹10001₹1300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

No Rewards On

FuelATM Cash withdrawalsEMIUPI appsBalance transfers

Excluded Spends

FuelATM Cash withdrawalsEMIUPI apps (GPayPhonePePaytm etc.)Balance transfers

Terms & Conditions

  • 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

Full charges and terms: Bank MITC / Terms