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Fees & charges
Joining fee₹499
Annual fee₹499
Fee waiverNo fee waiver
Forex markup3.5%
Finance charge3.85% p.m. (46.2% p.a.)
Cash advance fee₹199 per transaction
Late payment fee15% of Total Amount Due as of the previous statement minus any payments received before the due date (subject to a minimum of Rs.100 and a maximum of Rs.1,300). FIRST SWYP Credit Card: same 15% with maximum of Rs.6,000. FIRST Private Credit Card: Nil. FIRST Digital RuPay: as per Primary Credit Card. Illustration tiers: <100 None; 500 -> 100; 5,000 -> 750; 8,000 -> 1,200; 10,000 and above -> 1,300
Rewards & Lounge access
Rewards1% Cashback
Lounge accessNot applicable
NetworkRuPay
CategoryEntry
Card typeRetail
Key features
- 1% Cashback