Issued by IDFC FIRST Bank through OneCard. Every line below is taken from the issuer's own documents; open “Exact wording in the source” under any fee to see the words it comes from.
2.5% of the total amount due, from the worked example only; the fee table is an image and could not be read, and this template's examples are unreliable elsewhere
5% of the outstanding or ₹100, whichever is greater, plus unpaid past minimum dues, any overlimit amount and EMIs due. Another section calls it a variable 5% to 100% of net debits, depending on repayment record
Exact wording in the source
“5% of the outstanding amount or Rs.100 (whichever is greater)”
“Previous unpaid minimum amount dues, if any”
“Any amount exceeding the credit limit”
“Entire amount of any instalments (EMI) due”
“Minimum Amount Due is a variable percentage of Net Debits”
IDFC FIRST Bank One Credit Card MITC (English), OneCard / IDFC FIRST Bank, w.e.f August 01, 2023. Read 27 Oct 2026. Still the version linked from getonecard.app in October 2026. Its fee table is an image, so only figures in the body text are recorded. The cash limit is described as unavailable to cardholders. The interest illustrations work out at 3% a month, not the stated up to 3.49%.
Card Fine Print is an independent, unofficial site, not affiliated with OneCard, IDFC FIRST Bank or any other card issuer. Fees change; the issuer's current documents always win over this page. This is not financial advice.