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Notifications

  • 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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Credit Card Fees and Charges

Joining Fees, Annual Fees and Add-on Card Fees


Metra Trust Card Variant
Commencement / Joining Fee(₹)
Yearly/Annual Fee (₹)
Add-on Card Fee (₹)
FIRST Millennia Credit Card

 

 

 

NIL

 

 

 

NIL

 

 

 

NIL
FIRST Classic Credit Card
FIRST Select Credit Card
FIRST Wealth Credit Card
Employee Credit Card
FIRST WOW! Credit Card
LIC Classic Credit Card NIL NIL NIL
LIC Select Credit Card NIL NIL NIL
FIRST Digital RuPay Credit Card ₹199 ₹199 NIL
FIRST Power Credit Card ₹199 ₹199 NIL
FIRST Power+ Credit Card ₹499 ₹499 NIL
FIRST SWYP Credit Card ₹499 ₹499 NIL
Club Vistara Metra Trust Credit Card ₹4,999 ₹4,999 NIL
FIRST Private Credit Card ₹50,000 ₹50,000 1 st Add-on:NIL,
2nd Add-on onwards:
Joining Fee ₹4,000
Annual Fee NIL
Image Personalisation Fee* ₹499 NIL Joining Fee ₹499
Annual Fee NIL

*Image personalisation feature is not applicable on FIRST Private, LIC Classic & LIC Select, FIRST Power & FIRST Power+ Credit Card, FIRST Digital RuPay Credit Card, FIRST SWYP Credit Card.

The above fees and charges are applicable w.e.f. 12th Mar 2024. For fees and charges applicable till 12th Mar 2024, refer current MITC (please click here)

Finance Charges*

Metra Trust Card Variant Interest Rate on Purchases, Cash Advances and outstanding balances due
(will be charged if payment made is between Minimum Amount Due and Total Amount Due values)		 Overdue Interest^^
(will be charged on non-payment of Minimum Amount Due (MAD) by the Payment Due Date)
FIRST Millennia Credit Card

 

 

 

 

Monthly Rate - 0.75% - 3.65%


Annual Rate - 9% - 43.8%

 

 

 

 

 

 

 

 

Monthly Rate - 3.99%


Annual Rate - 47.88%

 

 

 

 
FIRST Classic Credit Card
FIRST Select Credit Card
FIRST Wealth Credit Card
Employee Credit Card
FIRST WOW! Credit Card
FIRST Power Credit Card
FIRST Power+ Credit Card
Club Vistara Metra Trust Credit Card
FIRST Digital RuPay Credit Card
LIC Classic Credit Card
LIC Select Credit Card
FIRST Private Credit Card Monthly Rate - 0.75%

Annual Rate - 9%		 Monthly Rate - 3.99%

Annual Rate - 47.88%
FIRST SWYP Credit Card Not Applicable
(Customer has to either pay Total Amount Due in full or convert eligible due amount into EMI)		 Not Applicable
(Customer has to either pay Total Amount Due in full or convert eligible due amount into EMI)

*The finance (interest) rates applicable to a Cardmember depend on internal policy parameters of the Bank. These are final and binding, and subject to change at Bank's discretion.

^^Interest rate will be revised from 47.88% to 43.8% when the cardmember pays the minimum amount due

The above fees and charges are applicable w.e.f. 12th Mar 2024. For fees and charges applicable till 12th Mar 2024, refer current MITC (please click here)

Other Fees and Charges

Late Payment charges

FIRST Private Credit Card NIL
FIRST SWYP Credit Card 15% of Total Amount Due as of the previous statement minus any payments received before the due date (subject to a minimum of ₹100 and a maximum of ₹3,000)
FIRST Digital RuPay Credit Card As per Primary Credit Card##
All other Metra Trust Credit Cards 15% of Total Amount Due as of the previous statement minus any payments received before the due date (subject to a minimum of ₹100 and a maximum of ₹1,300)


Over-Limit charges

FIRST Private Credit Card, FIRST WOW! Credit Card NIL
FIRST Digital Rupay Credit Card As per Primary Credit Card##
All other Metra Trust Credit Cards 2.5% of the over-limit amount (Subject to a minimum charge of ₹550)


Card Replacement Fee

Cards with image personalisation ₹149
FIRST Private Credit Card ₹4,000
FIRST Digital Rupay Credit Card NIL
All other Metra Trust Credit Cards ₹100


Markup Charges on Foreign currency transactions and Dynamic Currency Conversion Transactions**

FIRST Private Credit Card, FIRST WOW! Credit Card NIL
FIRST Wealth Credit Card 1.50%
FIRST Select Credit Card, Employee Credit Card 1.99%
Club Vistara Metra Trust Credit Card 2.99%
FIRST Digital Rupay Credit Card As per Primary Credit Card##
All other Metra Trust Credit Cards 3.50%


Fuel Surcharge Waiver

Fuel Surcharge of 1% (min Rs. 10) of transaction value + GST as applicable is levied by the acquirer(merchant's bank providing terminal /payment gateway).
Fuel Surcharge waiver of 1% of transaction value will be passed by Metra Trust as per the table below (applicable only on fuel transactions with value between Rs. 200 and Rs. 5,000).

Products Maximum amount of Fuel Surcharge waiver per statement cycle
FIRST Millennia Credit Card, FIRST Classic Credit Card, FIRST WOW! Credit Card, LIC Classic Credit Card, FIRST SWYP Credit Card ₹200
FIRST Select Credit Card, LIC Select Credit Card, Employee Credit Card ₹300
FIRST Wealth Credit Card ₹400
FIRST Private Credit Card No Capping
FIRST Digital Rupay Credit Card As per Primary Credit Card##


Others

Cash advance# – transaction fee** ₹199
Return of cheque/Auto-Debit SI/ Payment Return 2% of Payment amount subject to a minimum of ₹500
Reward Redemption Fee ₹99 per redemption transaction
Fee on cash payment at branches NIL
Outstation cheque processing fee NIL
Duplicate statement request NIL
Cheque/Cash processing fee NIL
Charge slip request NIL
Rent and Property Management Fees [MCC 6513] 1% of transaction amount
Balance Transfer Processing fee Processing fee on Balance transfer transaction will be communicated at the time of the transaction
Instalment Products related fees and charges Processing fee, Interest Rate and Pre-closure fee applicable on the below mentioned Instalment products will be communicated at the time of the transaction/ conversion:
1) Transaction(s) converted to EMIs
2) Balance Transfer converted to EMIs
3) Outstanding Balance converted to EMIs
4) Loan on Credit Card
Goods and Service Tax (GST) Goods & Service Tax (GST) at 18% (or as notified by the Government of India) is applicable on all fees, interest and charges.

*The finance (interest) rates applicable to a Card member depend on internal policy parameters of the Bank. These are final and binding, and subject to change at Bank's discretion.
**Dynamic Currency Conversion (DCC) is an option offered by international merchants or ATMs to the card member to pay or withdraw cash in Indian currency at the time of the transaction or cash withdrawal
^The Fuel transaction surcharge is levied by the acquirer (merchant's bank providing terminal / payment gateway). Fuel Surcharge Waiver will be capped at 1% of the eligible fuel transaction amounts irrespective of the fuel surcharge amount being levied by the merchants / acquirers. GST on Fuel surcharge will not be reversed. The value on charge slip will differ from the Credit Card statement since the Surcharge & GST is levied by acquiring bank post the transaction. The 1% surcharge waiver (excluding GST) for eligible transactions would reflect separately in the monthly Credit Card statement.
#cash advance facility not available on FIRST Digital RuPay Credit Card
##Primary credit card is the card against which UPI credit card is linked
^^Interest rate will be revised from 47.88% to 43.8% when the customer pays the minimum amount due

The above fees and charges are applicable w.e.f. 12th Mar 2024. For fees and charges applicable till 12th Mar 2024, refer current MITC (please click here)

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