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Premium Metal
- Premium Metal Credit Cards
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AshvaLifestyle1% Forex₹2,999
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MayuraLifestyleZero Forex₹5,999
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FIRST PrivateInvite Only
0% Forex & Travel
- Best for travellers
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MayuraZero ForexMetal₹5,999
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Ashva1% ForexMetal₹2,999
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FIRST WOW!Zero ForexTravelLifetime Free
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FIRST SWYPTravel OffersEMI₹499
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FIRST Select1.99% ForexLifestyleLifetime Free
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FIRST Wealth1.5% ForexLifestyleLifetime Free
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Club VistaraTravelLifestyle₹4,999
Lifetime Free
- Max benefits, Free for life
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FIRST Classic10X RewardsShoppingNever Expiring Rewards
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FIRST Millennia10X RewardsShoppingNever Expiring Rewards
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FIRST Select10X RewardsLifestyle1.99% Forex
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FIRST Wealth10X RewardsLifestyle1.5% Forex
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FIRST WOW!RewardsTravelZero Forex
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LIC ClassicRewardsInsuranceShopping
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LIC SelectRewardsInsuranceShopping
10X Rewards
- Reward Multipliers
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AshvaLifestyleMetal₹2,999
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MayuraLifestyleZero Forex₹5,999
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FIRST ClassicNever Expiring RewardsShoppingLifetime Free
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FIRST MillenniaNever Expiring RewardsShoppingLifetime Free
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FIRST SelectNever Expiring RewardsLifestyleLifetime Free
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FIRST WealthNever Expiring RewardsLifestyleLifetime Free
UPI Cards
- Rewards & Credit on UPI
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FIRST Power+FuelUPI₹499
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FIRST PowerFuelUPI₹199
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FIRST EA₹NVirtual1% Cashback₹499
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FIRST DigitalVirtualUPI₹199
Fuel & Utility
- Fuel and Savings
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FIRST PowerRewardsUPI₹199
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FIRST Power+RewardsUPI₹499
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LIC ClassicRewardsInsuranceShopping
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LIC SelectRewardsInsuranceShopping
Showstopper
- Express and Flaunt
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AshvaMetal1% Forex₹2,999
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MayuraMetalZero Forex₹5,999
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FIRST SWYPEMIOfferMAX₹499
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FIRST MillenniaRewardsShoppingLifetime Free
Credit Builder
- FD Backed rewarding Credit Cards for all
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FIRST EA₹NVirtualCashback₹499
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FIRST WOW!Zero ForexTravelLifetime Free
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About Us
Investors
ESG
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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on +44 7831 065557 or visit the nearest Metra Trust branch for further queries.
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Populer FAQs
How do I upload my signature?
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
How do I track service requests which I have already raised?
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account Now
Enjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card
Apply Now
Get the assured, FD-backed FIRST Ea₹n Credit Card
Apply Now
Credit Card Against Fixed Deposit
Obtaining a credit card against a fixed deposit can be an excellent idea for someone building their credit history. They eliminate the odds of being denied a credit card due to low credit scores or lack of income proof. No more extended wait times and documentation processes - with the FIRST WOW! Credit Card, you can enjoy the benefits of Metra Trust Credit Cards just by opening a fixed deposit. Get the WOW! factor every time you spend and enjoy unmatched benefits!
The FIRST WOW! Credit Card is secured against your fixed deposit, provides a 100% withdrawal limit, and offers freedom to access funds anywhere.
Enjoy ultimate convenience and comfort with this lifetime-free premium credit card.
WOW! REWARDS
Experience the WOW life now!
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Convenience at its best. Zero documentation required
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No joining fee or annual fees, only a lifetime of premium benefits and rewards on VISA Infinite
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Earn up to 4X Rewards on every spend
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Enjoy up to 7.25% interest p.a. on your fixed deposit backing the credit card
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Experience cost-effective and hassle-free international travel with zero forex markup
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Make the most of 300+ merchant offers and 20% discounts across 1,500+ restaurants
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Splurge without worry with a credit limit of a minimum of 100% of your FD value
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Enjoy 100% cash withdrawal of your FD value, interest-free for up to 45 days
*Consider FD with 367 days period. Rates are dynamic and applicable till revised further.
*1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25. Rewards program not applicable on Fuel, EMI transactions & Cash withdrawals. Insurance premium payments and Utility bill payments will earn 1x reward points.
***Cash advance fee of INR 199
SECURED CREDIT CARD FOR EVERYONE
With our fixed deposit at 7.25% interest rates, you can grow your wealth and access liquidity instantly..
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The fixed deposit must be in cumulative/auto-renew/re-invest mode
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The applicant must have an FD account in their name with minimum deposit of ₹10,000
WOW! PRIVILEGES
Best-in-class features.
Designed to delight, year after year.
WOW! PRIVILEGES YOU DESERVE
Complimentary roadside assistance worth ₹1399
Fuel charges waiver of 1% at all the fuel stations across India, up to ₹200/month
Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000
Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets
*valid on doing at least one transaction on FIRST WOW! Credit Card in last 30 days
Welcome Benefits 5% cashback (up to ₹1000) on the first EMI done within 30 days of card generation
WOW! Convenience
WOW! Convenience
you want
you want
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Instantly convert your transactions above ₹2500 into easy and convenient EMIs
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Pay off your other credit card balances with our balance transfer privileges
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Pay using reward points at partner merchants and online purchases
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The perfect companion to start your credit journey and build a credit score, as it offers one of the lowest interest rates
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Have complete control with our intuitive and easy-to-use mobile app
EASY PAYMENT OPTIONS
Metra Trust CREDIT CARD BILL PAYMENT
Explore our various online credit card payment options.
STANDING INSTRUCTIONS (E-MANDATES) FOR RECURRING PAYMENTS
View your standing instructions (recurring payments) set at various merchants here and modify/cancel them effortlessly.
BALANCE CONVERSION INTO EASY EMI
Now, convert your outstanding balance into easy EMIs with a flexible tenure of 3 - 18 months
Frequently asked questions
What is a credit card against FD?
An FD credit card, or Fixed Deposit credit card, is a type of credit card where the credit limit is secured by a fixed deposit. By pledging a certain amount in a fixed deposit account, you establish collateral for your credit card. This lowers the risk of defaulting and makes it accessible to individuals without a credit history. This includes students, housewives, and variable-income individuals.
What are the benefits of credit cards on FD?
Credit cards against FD from Metra Trust come with numerous benefits such as:
• No documentation is required to apply for the credit card
• No joining or annual membership fee whatsoever
• Zero forex markup fees for international transactions
• Freedom to enjoy a credit limit of more than 100% of your deposit, while earning FD interest of up to 7.25% per annum
• Low annual percentage rates for the credit card starting at just 9% per annum.
• Access to exclusive reward programs and offers on over 300 merchants and 1500 restaurants across the country.
What is the minimum FD amount for an FD credit card?
To obtain the FIRST WOW! Credit Card – a FD- secured credit card from Metra Trust, you need a minimum deposit of ₹10,000 in your fixed deposit
What are the eligibility criteria to apply for an Metra Trust WOW! Credit Card?
Age Policy:
· Applicant must be 18 years of age or older to apply for an Metra Trust WOW! Credit Card
Indian Resident & Sourcing Locations:
· Applicant must qualify as an Indian resident and have a current and permanent residential address within India
· Metra Trusts maintains a set of cities which are allowed for sourcing
NRI Customers with a pre-approved FIRST WOW! Credit Card offer can apply through the Metra Trust mobile app by following any one of the steps below:
1. Easy Banking >> Accounts & Deposits >> Secured Card
2. Easy Banking >> Credit Cards >> Secured Card
Eligibility:
· The applicant needs to have a fixed deposit in their name with Metra Trust
· Fixed Deposit should be in cumulative/re-invest and auto-renewed mode
Internal Policy Criteria
· Bank runs certain internal policy criteria to select a customer for issuing credit cards
· Internal Policy criteria are based on bureau history, any existing Bank relationship, customer demographics, and credit exposure
· The Bank reserves the right to issue a Credit Card to the applicant on the basis of an assessment of his / her credentials.
The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting the above criteria.
We have launched FIRST WOW! Credit Card for NRI Customers as well. (NRI Customer can only apply basis PA offer)
Is there a Joining/Membership/Annual fee on Metra Trust WOW! Credit Cards?
There is no Joining/ Membership/ Annual fee applicable on the Metra Trust WOW! Credit Card. Your card is free for life.
How can I redeem the Reward Points I have earned on my card?
You can directly use your points to pay for online purchases or store shopping. Choose 'pay with points'. You can also redeem your Reward Points against amazing offers at idfcfirstrewards.poshvine.com.
