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IDFC FIRST Bank Mastercard Gold Credit Card

Entry-level international card

JOIN
₹500
ANNUAL
₹500
REWARDS
0.30%
APR
42.00% p.a.
MASTERCARD CREDIT Gold Plastic VIRTUAL OK
[ APPLY ON IDFC FIRST BANK → ]

§ BENEFITS

fuel

Fuel Surcharge Waiver

1% fuel surcharge waiver on fuel transactions

1% waiver

rewards

Reward Points

Earn 1.5 reward points per Rs 100 on all transactions

1.5 RP per Rs 100

insurance

Air Accident Cover

Air accident insurance when ticket booked using card

Rs 25 Lakh

§ ELIGIBILITY

Employment
Salaried / Self-Employed
Min annual income
₹1,50,000
Min monthly salary
—
Age
18 – 60
Min credit score
650
Existing account?
Not required
Invitation only?
No

§ FEES

Joining fee
₹500

† Excluding GST

Annual fee
₹500

† Excluding GST

APR (monthly)
3.50% p.m.
APR (annual)
42.00% p.a.
Late payment fee
₹1,000

† per cycle, charged to statement

Over-limit fee
₹500
Cheque bounce
₹500
Grace period
50 days
Min due
5%

† or ₹500, whichever higher

§ ATM & CASH

Own bank free / month
0
Own bank charge
₹200
Other bank free / month
0
Other bank charge
₹200
International withdrawal
₹250

† + 3.5% of txn

Cash advance fee
2.5%

† min ₹500

§ TRANSACTIONS

Currency markup
2%
DCC fee
1%
Cross-border fee
—
SMS alert / month
—
PIN regen
₹100
Physical statement
—

§ FUEL

Surcharge waiver
1%
Min txn
₹400
Max txn
₹10,000
Max waiver / cycle
₹250
Networks
All

§ LIMITS

ATM / day
₹1,00,000
POS + e-com / day
₹5,00,000
Contactless / txn
₹10,000
Contactless / day
₹50,000

§ INSURANCE

Insurance
Not provided

§ REWARDS

Programme
IDFC Reward Points
Earn rate
1.5 RP per Rs 100
Point value
₹0.2
Effective cashback
0.30%
Min redemption
1,000 pts
Expiry
2 years from date of accrual

§ LOUNGE

Domestic
Not available
International
Not available
Domestic guests allowed?
No
International guests allowed?
No

§ SIMILAR CARDS

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Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with IDFC FIRST Bank and earns no commission on applications.