CONSUMER CREDIT CARD TERMS AND CONDITIONS

Annual Percentage Rate (APR) 
for Purchases 
APR for Balance Transfers 1 

APR for Cash Advances
Paying Interest

Annual Fee
Transaction Fees
Balance Transfers 
Foreign Transactions 

Penalty Fees
Late Payment 
Returned Item 
Grace Period

Credit Lines Up To
Minimum Finance Charge
Method of Calculating Balance

Monthly Payment

Cash Advance Fee

Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Cashback 

Classic 

12.99% 

Introductory  Balance  Transfer  0% 
for  the  first  15  months  after  the 
balance is transferred, then 12.99% 
18.99%
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. 
None 

16.99% 

16.99%

21.00% 
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. 
None 

3% of transfer amount 
The lesser of 2% of the purchase or 
cash advance amount (in U.S. 
Dollars) or $10.00 

None 
The lesser of 2% of the purchase or 
cash advance amount (in U.S. 
Dollars) or $10.00 

$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) 
$20,000 
None 
Average Daily Balance (including 
new transactions) 
Minimum 5% of new balance but 
not less than $25.00 
2% of the amount of the cash 
advance; $10.00 maximum 
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. 

$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) 
$10,000 
None 
Average Daily Balance (including 
new transactions) 
Minimum 5% of new balance but 
not less than $25.00 
2% of the amount of the cash 
advance; $10.00 maximum 

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) consecutive payments by the due date in a sixty 
(60) day period of time, any cashback yet to be redeemed will be forfeited.  

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. 

Periodic Rates: 

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 06/14/2016. 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 06/14/2016 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