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Everything you should know about APR

What is the APR?

 APR stands for Annualized Percentage Rate which refers to the annual interest rate for your Credit Card finance charges. Interest is applicable on Purchases, Cash Advances, and outstanding balances due only if payment made is less than the Total Amount Due.

In cases where the Total Amount Due is paid on or before the Due Date, no interest charges are applicable.

If the cardmember does not pay the Total Amount Due within the Payment Due Date, the interest free period is lost & interest is charged on the-

a.  Total Amount Due (adjusted for payments/ refunds/ reversed transactions as and when credited) from the date of transaction until they are paid in full.

b.  All new purchases, cash advances, balance transfers, and billed EMIs from the date of transaction till the payment is received for such transactions.

To know more about Finance Charges or APR, please refer MITC

What is Dynamic Annual Percentage Rate (DAPR) offered by IDFC FIRST Bank Credit Card? How is it determined?

Dynamic APR is a profile-based interest rate which may change over the period of association basis certain periodically reviewed factors like, but not limited to, Cardmember credit history, purchase patterns, payment behaviour, utilization patterns, internal policy parameters as outlined in the Cardmember Agreement.

IDFC FIRST Bank offers its Credit Cardholders a Dynamic APR which ranges from 0.71% per month or 8.5% per annum to 3.85% per month or 46.2% per annum. The APR is personalized for each cardholder and varies based on factors outlined in the Cardmember Agreement.

An overdue interest rate of 47.88% or 3.99% per month is charged on non-payment of Minimum Amount Due (MAD) on or before payment due date.

On which IDFC FIRST Bank Credit Card Dynamic Annual Percentage Rate is applicable?

Dynamic interest rate is applicable to FIRST Millennia, FIRST Classic, FIRST Select, FIRST Wealth, FIRST Power, FIRST Power Plus, Club VISTARA Credit cards, FIRST WOW, Ashva, Mayura, FIRST Earn, FIRST Family Card.

I have received a communication regarding Dynamic Annual Percentage Rate. What does it mean?

If you have received a communication regarding Dynamic APR revision then your APR is about to get revised as per the details communicated, including but not limited to via email, SMS, or WhatsApp.

In case the APR going to increase it is recommended that you re-evaluate your balances if you are pay any amount less than TAD and carry forward the balances. However, in case your APR is going to decrease that means you can now carry forward the balances at a lower interest rate.

Will the communicated APR be revised for all my IDFC FIRST Bank Credit Cards?

No, the APR change will only apply to the Credit Card variant mentioned in the communication. If multiple Credit Cards are eligible for revision, you will receive separate communications for each.

How Can I check my current APR?

You can check your Current APR on our Mobile Banking App by following below instructions,

Click on Accounts ->Click on Cards on the top -> Click on Credit Variant -> Go to quick actions -> Click on View Card Privileges

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