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Disclosures 

 Credit Card Terms & Conditions

Credit Card Terms & Conditions

Cashback

Classic

Annual Percentage Rate
(APR) for Purchases

12.99%

APR for Balance
Transfers 1

Introductory Balance Transfer
0% for the ﬁrst 15 months
after the balance is
transferred, then 12.99%

16.99%

16.99%

APR for Cash Advances

18.99%

21.00%

Paying Interest

Your due date will be a
minimum of 25 days after the
close of each billing cycle. We
will not charge you interest
on purchases if you pay your
entire balance by the due
date each month. We will
begin charging interest on
balance transfers and cash
advances on the transaction
date.

Your due date will be a
minimum of 25 days after the
close of each billing cycle. We
will not charge you interest
on purchases if you pay your
entire balance by the due
date each month. We will
begin charging interest on
balance transfers and cash
advances on the transaction
date.

Annual Fee

None

None

Transaction Fees

Balance Transfers

3% of transfer amount

None

Foreign Transactions

The lesser of 2% of the
purchase or cash advance
amount (in U.S. Dollars) or
$10.00

The lesser of 2% of the
purchase or cash advance
amount (in U.S. Dollars) or
$10.00

Penalty Fees

Late Payment

Returned Item

Grace Period

$18.50

$20.00

$18.50

$20.00

25 days (to avoid periodic
ﬁnance charges on
purchases, the total payoff
amount must be received by
the payment due date)

25 days (to avoid periodic
ﬁnance charges on
purchases, the total payoff
amount must be received by
the payment due date)

Credit Lines Up To

$20,000

Minimum Finance
Charge

None

$10,000

None

Method of Calculating
Balance

Average Daily Balance
(including new transactions)

Average Daily Balance
(including new transactions)

Monthly Payment

Minimum 5% of new balance
but not less than $25.00

Minimum 5% of new balance
but not less than $25.00

Cash Advance Fee

2% of the amount of the cash
advance; $10.00 maximum

2% of the amount of the cash
advance; $10.00 maximum

Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or
using a credit card, visit the website of the Consumer
Financial Protection Bureau at
www.consumerﬁnance.gov/learnmore.

1 Loss of Intro APR: We may end your Introductory Balance Transfer APR if you make a late

payment; then the Balance Transfer APR will be 12.99%.

You will not earn rewards on cash advances, balance transfers, convenience checks used to

access your account or any cash received with a purchase at the point of sale. Cashback

provided on net purchases (purchases minus any returns or credits).

If your account is closed, you will lose any rewards you have not redeemed. If you fail to

make two (2) consecuve payments by the due date in a sixty (60) day period of me, any

cashback yet to be redeemed will be forfeited. 

Periodic Rates:

How We Will Calculate Your Balance: We use a method called “average daily balance method

(including new purchases)”. See the “Interest Charges” section of your Credit Card Agreement for

more information. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights

is provided in your Credit Card Agreement. See “Your Billing Rights” section for full details. 

Minimum Payment: The payment amount will be any amount past due plus the greater of $25.00

or 5% of the new balance shown on your billing statement.

Cashback – The daily periodic rate for the Purchase APR is 0.03559%. The daily periodic rate for

the Introductory Balance Transfer APR is 0%, and for the non-Introductory Balance Transfer APR is

0.03559 %. The daily periodic rate for the Cash Advance APR is 0.05203%. 

Classic – The daily periodic rate for the Purchase APR is 0.04655 %. The daily periodic rate for

Balance Transfer APR is 0.04655 %. The daily periodic rate for the Cash Advance APR is 0.05753%.

Rates established 01/23/2018. Rates are subject to change on any day and will

be updated by 10:00 AM Eastern. Please be sure to check Firstib.com after 10:00

AM Eastern for the rate that will be honored today. Information in this disclosure

effective 01/23/2018 and subject to change.

Government regulations require that we make the above disclosures available to

you before you apply for a credit card. If you are unable to print this

information, First IB will supply you with a printed copy upon request. You may

call us toll-free at (888) 873-3424 during normal business hours. Write to us at:

First Internet Bank 

PO Box 6080 

Fishers, IN 46038

View a printer-friendly (PDF) version of the Credit Card Terms and Conditions.

Start talking to First IB now.  

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1-888-873-3424

© 2018 First Internet Bank of Indiana

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