05/06/2024
https://ern.li/OP/1lxlx1iep3x
IDFC First select Credit Card
Zero Joining Fee and Annual Fee
Low Forex Markup of 1.99% on international transactions
Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)
Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)
Interest free cash withdrawals on domestic and international ATMs for up to 48 days (Cash Advance Fee of only ₹199 + GST per transaction)
OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550
Reward Points redemption fee of ₹99 + GST will be applicable per redemption transaction
Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction
Utility Payments Surcharge – Payments over ₹20,000 towards utilities (Electricity, Gas, Telecom, etc.) in a statement cycle will attract 1% surcharge on all spends on utilities.