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IDFC offers 6 types of credit cards. They are listed as below –
- IDFC First Millenia Credit Card
- IDFC First Classic Credit Card
- IDFC First Select Credit Card
- IDFC First Wealth Credit Card
- IDFC First Private
- IDFC First WoW
IDFC First Private is an invitation only card. IDFC First WOW is backed by a deposit. We will look at the remaining 4 credit cards here. In the below table we have listed the limits of the charges levied by the bank. They are different for different cards.
|
Charges |
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Sr. No. |
Features/Benefits |
FIRST Millenia |
FIRST Classic |
FIRST Select |
FIRST Wealth |
|
1 |
No Annual fee |
Yes |
Yes |
Yes |
Yes |
|
2 |
Lifetime free card |
Yes |
Yes |
Yes |
Yes |
|
3 |
Interest Rates |
0.75% to 3.5% per month |
0.75% to 3.5% per month |
0.75% to 3.5% per month |
0.75% to 3.5% per month |
|
4 |
Over Limit (OVL) Charges |
2.5%, Min Rs. 500 |
2.5%, Min Rs. 500 |
2.5%, Min Rs. 500 |
2.5%, Min Rs. 500 |
|
5 |
Interest Free Cash Withdrawal |
Upto 48 days |
Upto 48 days |
Rs. 250 per transaction |
Up to 48 days |
|
Rs. 250 per transaction |
Rs. 250 per transaction |
Rs. 250 per transaction |
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6 |
Late Payment Fee |
15%, Min 100-Max 1250 |
15%, Min 100-Max 1250 |
15%, Min 100-Max 1250 |
15%, Min 100-Max 1250 |
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7 |
Forex Markup |
3.50% |
3.50% |
1.99% |
1.50% |
It is evident from the above table that FIRST Wealth offers the maximum offers and rewards. So amongst all the IFDC Credit cards only, IDFC Wealth card is the best to go for.