CreditMantri Finserve Private Limited
Door No.3, Block B, No. 147, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road,Thousand Lights, Chennai, Tamil Nadu600006
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All written queries will be responded within 1 working day.
We'd love to help you through every step along the way.
Lifetime free credit card with zero annual fee
Up to 10x reward points that never expire
Convenience fee for reward redemption of Rs. 99 effective from 1st October 2022
Low interest rates starting from 0.75% to 3.5% per month (9% to 42% per annum)
Overlimit charges of 2.5% of the overlimit amount for transactions exceeding the credit limit
Forex Markup at 3.5% for all transactions
Late payment fee - 15% of the total outstanding amount (subject to a least amount of Rs. 100 and a maximum of Rs.1250)
Cash advance fee of Rs. 250 on international and domestic transactions
The following are not included for rewards:
Add on card Fees
Interest rate on cash advances, cash purchases, and outstanding balances due
Monthly rate - 0.75% - 3.5%
Annual Rate - 9% - 42%
Overdue Interest (will be charged if you don’t pay the minimum amount due by the payment due date)
Monthly Rate - 3.99%
Annual Rate - 47.88%
Cash advance transaction fee (Certain international outlets or ATMs allow the conversion of international currency to INR at the time of withdrawal or sale. Then the cash advance transaction fee may include any charges levied by the service provider)
Late payment charges
15% of the total amount due (subject to a least of Rs. 100 and a maximum of Rs. 1250)
2.5% of the over limit amount (Subject to a minimum charge of ₹500) for transactions that exceed the credit limit
Return of cheque/auto debit/payment return
Rs. 250 for each returned cheque, auto debit, or payment return
Fee on cash payment at branches
Outstation cheque processing fee
Duplicate statement request
Card replacement fee
Cheque/Cash processing fee
Charge Slip request
Forex markup fee
1% of transaction value (minimum Rs. 99)
Fuel Surcharge Waiver
Rs. 300 per statement cycle (The fuel surcharge is levied by the merchant and the upper limit on fuel surcharge waiver will be capped at 1%)
Either of the following:
Or any other photo ID authorized by the government.
1. Online Through the CreditMantri website
2. Online Through The Bank’s Website
Here are payment options given by IDFC Bank for you to make credit card bill payments easily and conveniently.
1. Through Netbanking or debit card: IDFC Bank offers efficient net banking services to help you pay your credit card bills easily from anywhere and anytime. You can use any bank account to pay through net banking or debit cards
Simple steps to pay via net banking for IDFC First Bank App Users
Easy steps to pay via net banking for IDFC First Bank Mobile Banking (Old) App Users
3. IMPS/NEFT payments
You can make instant payments via IMPS/NEFT by entering the mentioned payee/beneficiary/receiver details:
4. Other payment options
1. What is the First Classic Credit Card Credit Limit?
The credit limit is flexible and will be determined based on your income, credit score, job stability etc. You will get a credit limit up to 2 times your salary with subsequent increase based on your credit card use. The payment and statement dates are flexible.
2. Can I pay rent using an IDFC credit card?
Yes, you can pay rent using an IDFC credit card. You will earn 3x reward points for rental transactions.