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Fees & charges
Joining fee₹50,000
Annual fee₹50,000
Fee waiverNo fee waiver
Forex markup0%
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
Rewards10X Reward Points on monthly spends above Rs.30,000; 3X on rent and education; 1 RP = Rs.1 on travel bookings via FIRST Rewards Gallery, Rs.0.25 elsewhere; points never expire
Lounge accessUnlimited complimentary airport lounge access globally; accompanying guests 4 times/year at domestic lounges; unlimited railway lounge access in India
NetworkVisa
CategorySuper Premium
Card typeRetail
Key features
- 10X Reward Points on monthly spends above Rs.30,000; 3X on rent and education; 1 RP = Rs.1 on travel bookings via FIRST Rewards Gallery, Rs.0.25 elsewhere; points never expire
- Unlimited complimentary airport lounge access globally; accompanying guests 4 times/year at domestic lounges; unlimited railway lounge access in India
- 50,000 Reward Points and Club ITC Culinaire Hotel Membership (cards issued on/after 1 June 2025); Taj Experiences Signature Dining Voucher on Rs.15 lakh spends within 6 months