Is the joining fee refundable if I cancel the card?

This varies by issuer and is usually non-refundable, though some cards offer a grace period during which cancellation may waive or refund the fee. Check your specific card's terms.

Is a joining fee separate from the annual fee?

Yes, the joining fee is charged once, when the card is issued, while the annual fee (if any) recurs every year the card remains active.

Fees & Charges · हिन्दी

Joining fee

A joining fee is a one-time charge levied when your credit card is first issued, separate from any recurring annual fee. Not all cards charge one. Many entry-level and lifetime-free cards waive it entirely, while several premium cards charge a substantial joining fee that is sometimes offset by welcome vouchers or bonus reward points of comparable or greater value.

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Fees & Charges

Joining fee

Joining fee by card, in India

No joining fee

28 cards, incl. Roarbank RuPay Credit Card, IDFC FIRST Quantum+ Credit Card

₹0

Paid joining fee

102 cards, incl. IDFC FIRST Ashva Credit Card, Axis Bank Select Credit Card

Varies

Frequently asked questions