Credit Card Charges Related Customer Service FAQs

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Categories > Charges Related

Are there any charges on closing my IDFC FIRST Bank Credit Card?

There are no charges for closing your IDFC FIRST Bank Credit Card.

Note: Card closure request can only be raised if:

There are no outstanding dues
All EMIs are paid/foreclosed
There are no active disputes

Does IDFC FIRST Bank provide lifetime-free credit cards?

Yes, IDFC FIRST Bank provides lifetime-free credit cards. Click here to know more.

What are the fees for an Add-on Credit Card?

Add-on Credit Cards generally attract a joining fee and annual fee of ₹499 + GST. However, this fee is not applicable for Ashva and Mayura Credit Cards, which follow a separate fee structure as outlined below:

Ashva Credit Card

Metal Variant: ₹2,000 joining fee

Plastic Variant: ₹1,500 joining fee

Annual Fee: ₹1,000 + GST

Mayura Credit Card

Metal Variant: ₹4,000 joining fee

Plastic Variant: ₹3,000 joining fee

Annual Fee: ₹2,000 + GST

Please refer to the Most Important Terms & Conditions (MITC) for other charges.

What are the charges on international transaction on my IDFC FIRST Bank Credit Card?

To know about the charges on international transactions click here and select the your credit card variant.

What are the charges to replace my IDFC FIRST Bank Credit Card?

The card replacement charges vary based on the type of Credit Card:

All Credit Cards (including cards with image personalisation): ₹199

Ashva Credit Card (Metal Variant): ₹1,500

Mayura Credit Card (Metal Variant): ₹3,500

Gaj Credit Card: ₹4,000

FIRST Private Credit Card: ₹4,000

Please refer to the Most Important Terms & Conditions (MITC) for other charges.

When are the late payment charges levied on my IDFC FIRST Bank Credit Card transaction?

Late payment charges are levied when you do not make your IDFC FIRST Bank Credit Card payment by the due date. It is charged at 15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250). The charges are subject to change at the discretion of IDFC FIRST Bank.