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Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Maximise your savings and boost profitability with our Zero Forex Markup current accounts
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A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
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Earn up to 6.50% interest on your Savings Account
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Explore Personal
- Accounts
Tools & Calculators
Privilege Program
- Privilege Program
Unlock features, exclusively available
only on the IDFC FIRST Bank app
Pause your stress with up to 105 interest-free days!
Transfer other Bank's credit card dues to CreditPro and get extra time to pay
For select IDFC FIRST Bank Credit Card holders
Get CreditProJoining Fee: ₹749+GST ₹0*
*No Joining Fee if transferred within 15 days
Annual Fee: ₹749+GST
(2nd Year Onwards)
For select IDFC FIRST Bank Credit Card holders
Get CreditProJoining Fee: ₹749+GST ₹0*
*No Joining Fee if transferred within 15 days
Annual Fee: ₹749+GST
(2nd Year Onwards)
Up to 105 Days
Interest-Free Period
Lower Interest Rate
After Interest-Free Period
Transfer Dues
From Other Bank Credit Cards
CreditPro: A unique way to pay your
other bank Credit Card dues
Just enable CreditPro on your IDFC FIRST Bank Credit Card
Get more time to pay
Up to 105 interest-free days on every balance transfer
Save on interest charges
Carry Forward your CreditPro dues at just 19.99% p.a. vs an industry average of 42% p.a., after the interest-free period is over.
Simplify your payments
Consolidate multiple credit card dues and pay them off easily
CreditPro vs. other Credit Cards
Compare Interest Savings
Enter details of the other bank credit card
Here's how it is calculated
During interest free period
84
Interest free days
=
₹3,500
Savings
How to get started
Step 1
Click here to check eligibility!
Step 2
Enable CreditPro through IDFC FIRST Bank Mobile App
Step 3
Go to CreditPro ‘Manage Card’ section on our mobile app and enable ‘Balance Transfer’
Step 4
Make your first Balance Transfer and enjoy interest free period of up to 105 days
How 105 interest-free days work?
Once the Balance Transfer is successful, repay it as per the schedule below:
Billing Cycle 01
Up to 45 days
of interest-free period
Pay min. 5% of transferred dues and Processing Fee + GST
and enjoy interest-free period on the remaining amount
Billing Cycle 02
30 days
of interest-free period
Pay min. 5% of remaining dues
and enjoy interest-free period on the remaining amount
Billing Cycle 03
30 days
of interest-free period
Pay in full
or
Pay minimum 5%
& carry forward the remaining dues @ 1.67% p.m.
or
Convert to EMI
@0% processing fees
Fees and charges
-
Joining fees
₹749+GSTor₹0*
-
*No Joining Fee is applicable if balance transfer is made within 15 days of enabling CreditPro
-
Annual Fees
₹749 + GST
(2nd year onwards)
-
Interest rate (APR)
19.99% p.a. only
-
Applicable once the interest-free period is over
-
Balance Transfer Processing Fee
2% (min. ₹499)
Applicable on every balance transfer
Frequently Asked Questions
All
More about CreditPro Balance Transfer
Fees and Charges
More on Interest free period
Additional details
What is CreditPro Balance Transfer?
CreditPro Balance Transfer helps a customer to transfer other bank credit card dues to CreditPro and enjoy interest free period up to 105 days on every Balance Transfer.
Can I do any Online, Point of Sale or Cash transactions on CreditPro Balance Transfer?
No, Online, Point of Sale or cash transactions is not applicable on CreditPro. It can only be used to transfer dues from other bank credit cards.
What are the benefits of activating CreditPro?
A customer will get an interest free period of up to 105 days on every Balance Transfer if they transfer their dues from other bank credit card to CreditPro.
Can a customer transfer dues from any other IDFC FIRST Bank Credit Card to CreditPro?
No, a customer cannot transfer balance from any other IDFC FIRST Bank Credit Card to CreditPro Card.
Are there any fees on enabling CreditPro Balance Transfer?
Joining Fees of ₹749 + GST is applicable on CreditPro Balance Transfer. However, this fee will be waived off on doing a Balance Transfer within 15 days of activation. Second year onwards, an Annual Fee of ₹749 + GST will be applicable on CreditPro Balance Transfer.
Is there any processing fees on Balance Transfer on CreditPro?
A Processing Fees of 2% or Min. ₹499 will be charged every time on doing a Balance Transfer on CreditPro.
What are the Late Payment Charges on CreditPro?
Late payment charges are levied when a customer does not pay the Minimum Amount Due amount before the due date. For more details, please refer to our MITC document.
What does it mean to get Interest free period of up to 105 days?
By Interest Free Period we mean that, if a customer does a Balance Transfer on CreditPro Card, they will have to pay only the Minimum Amount Due (5% of the Total Balance Transfer amount) for the next 2 statement cycles and customer will not be charged any interest fee for the unpaid amount.
Illustration:
Once the customer has transferred dues from other bank credit card to CreditPro, subsequent statements will be generated as mentioned below:
Date: 17-Mar-24, Balance Transfer amount: ₹1,00,000
Statement 1 (22-Mar-24):
Total Amount Due (No Interest): ₹5,000 + Processing Fees + GST
Minimum Amount Due: ₹5,000 + Processing Fees + GST
Statement 2 (22-Apr-24):
Total Amount Due (No Interest): ₹4,750
Minimum Amount Due: ₹4,750
Statement 3(22-May-24):
Interest Free Period is over for the Balance Transfer in this statement.
Total Amount Due: ₹90,250
Minimum Amount Due: ₹4,512.5
Once the remaining amount is billed for the Balance Transfer, customer will have 3 options:
1) Pay off the Total Amount Due.
2) Pay the amount is easy and affordable EMIs.
3) Pay any amount between Total Amount Due and Minimum Amount Due and carry forward the balance at just 19.99% p.a.
*Customer must avail any one of the above three options to avoid delinquency and any penal charges.
Can I make the payment of the Balance Transfer before my Interest Free Period is completed?
Yes, customer can pay the entire balance transfer amount within the interest free period.
What are the options in which I can repay once the interest free period is over for the Balance Transfer?
Once the Interest Free period is over for the Balance Transfer, customer will have 3 options to pay off the balances:
1. Customer can pay off the Total Amount Due
2. Customer can convert the eligible balance to EMIs
3. Customer can pay off any amount between Minimum Amount Due and Total Amount Due.
Can I pre-pay my CreditPro dues before Payment Due Date?
Yes, a customer can make the payment of their credit card outstanding any time before the Payment Due Date.
What is the Interest rate for CreditPro?
Once the interest free period is over, a low interest rate of 19.99% p.a. is applicable.
How can I pay my CreditPro Card bill?
There are multiple ways with which you can pay your CreditPro card bill, click here to know more
Can customer convert Balance Transfer to EMIs?
Customer cannot convert Balance Transfer to EMIs at the time of doing balance transfer. It ca be done once the interest free period is over.
How many Balance Transfers can be done in a Quarter?
A customer can do up to 3 Balance Transfers in a Calander Quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec) subject to credit limit.
Credit limit on CreditPro will be blocked if I do a Balance Transfer?
Yes, the credit limit will be blocked up to an extent of amount of balance transfer. This limit will be a shared limit with the other IDFC FIRST Bank Credit Cards that the customer holds, and same amount will be blocked on other IDFC FIRST Bank Credit Cards too.
Once I do a Balance Transfer, how much time will it take to receive the funds in my other bank credit card?
Once a customer does a Balance Transfer, the amount will be transferred through NEFT which can take up to 2 hours to reflect in the other bank credit card.
Important Documents
