IDFC FIRST Bank FIRST Digital RuPay Credit Card

Charge

• As per MITC effective 18 June 2026: No joining/annual/add-on fee levied on the FIRST Digital RuPay Credit Card attached to the Gaj: Credit Card.
• Cash advance not applicable for FIRST Digital RuPay Credit Card.
• Late payment charges - As per Primary Credit Card.
• Over-limit charges - As per Primary Credit Card.
• Card replacement fee - NIL.
• No fee on replacement of digital form factor.
• Markup charges on foreign currency/DCC - As per Primary Credit Card.
• Finance charge (all other IDFC FIRST cards) - Monthly 0.71% to 3.85% (Annual 8.5% to 46.2%), overdue interest Monthly 3.99% (Annual 47.88%).
• Return of cheque/Auto-Debit SI/Payment Return - 2% of payment amount subject to minimum ₹500.
• Reward Redemption Fee - ₹99 per redemption transaction.
• Rent and Property Management Fee - 1% of transaction value subject to min ₹249 (domestic only).
• Fair usage on Utility Spends - 1% fee if Utility Spends exceed ₹20,000 in a statement cycle.
• Fuel Fee - 1% if Fuel Spends exceed ₹30,000.
• Passenger Railways Transaction Fee - 1% if exceed ₹25,000.
• Tolls and Bridges Transaction Fee - 1% if exceed ₹10,000.
• Education Payment Fee - 1% via third-party apps min ₹249.
• GST presently 18%.

Verified · Most Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card · 2026-07-29 · source

Interest-free period

• Interest-free (grace) period shall not exceed 45 days and will vary depending on the date of the transaction and statement date.
• Not applicable if the previous month's statement balance has not been cleared in full on or before the due date.

Verified · Most Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card · 2026-07-29 · source

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver on fuel transactions between ₹200 and ₹5,000.
• Maximum waiver per statement cycle: As per Primary Credit Card.

Verified · Most Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card · 2026-07-29 · source

Milestone benefit

For FIRST Digital RuPay Credit Card linked to FIRST SWYP Credit Card: 100 Reward Points on every UPI spend of ₹5,000 in a statement month.

Verified · FIRST Digital RuPay Credit Card product page · 2026-07-29 · source

Official terms

https://www.idfcfirst.bank.in/credit-card/rupay-credit-card.

Verified · FIRST Digital RuPay Credit Card product page · 2026-07-29 · source