IDFC FIRST Digital RuPay Credit Card
Reward Points
1st Year Fee: ₹199* Plus Applicable Taxes
Reward Points
Up to 3X reward points on UPI spends
Welcome Benefits
100% cashback on first 4 UPI spends
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About IDFC FIRST Digital RuPay Credit Card
IDFC FIRST RuPay Credit Card is a digital card that is issued against an existing IDFC FIRST Credit Card. Cardholders can link this card with UPI apps like Paytm, GPay, Slice, etc., and earn up to 3X reward points on their UPI spends.
The card offers 3X rewards on UPI spends above Rs. 2,000 and a base reward rate of 1 point per Rs. 150 on UPI spends below Rs. 2,000. Additional, it also offers the base reward rate on usually excluded categories such as utility and insurance payments.
Currently, existing IDFC FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private, FIRST SWYP, Ashva, and Mayura credit cardholders can apply for this digital credit card and earn benefits on their UPI spends. Overall, existing IDFC cardholders looking for a card with decent benefits on UPI spends at an affordable annual fee, this card can be a suitable option.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit IDFC FIRST Bank’s website.
Features & Benefits
Rewards Program
- 3 reward points per Rs. 150 on UPI spends above Rs. 2,0001-3
- 1 reward point per Rs. 150 on UPI spends below Rs. 2,0001-3
- 1 reward point per Rs. 150 spent on utilities & insurance payments
- Redeem reward points at a value of 1 RP = Rs. 0.25
Welcome Benefits
- 100% cashback, up to Rs. 200 on the first four UPI spends done within 15 days of card generation4
IDFC FIRST Digital RuPay Credit Card: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 199 + Applicable Taxes |
| Annual Fee | Rs. 199 + Applicable Taxes |
| Interest Rate | 0.71% to 3.85% p.m. | 8.5% to 46.2% p.a. |
| Overdue Interest | 3.99% p.m. | 47.88% p.a. |
| Late Payment Charges | As per the primary card |
Things to Know Before you apply
Get this card if
You prefer managing your credit card digitally
You are an existing IDFC Credit cardholder looking to earn accelerated rewards on UPI spends
You are looking for a low annual fee card with basic rewards on utility & insurance payments
You can spend above Rs. 2,000 on UPI to maximize rewards program
Other Similar Credit Cards
HDFC Bank UPI RuPay Credit Card
IndusInd Bank Platinum RuPay Credit Card
YES Bank Paisabazaar PaisaSave Credit Card
Paisabazaar Review
What do we like about this card?
IDFC FIRST RuPay Credit Card offers decent value-back on UPI spends at an affordable annual fee of Rs. 199. The card also compensates for its joining fee by offering cashback worth Rs. 200 as a welcome benefit. While it comes with a spend-based rewards program, 3X rewards on UPI spends above Rs. 2,000 is an easily achievable threshold, even for moderate spenders. Additionally, while many cards exclude utility and insurance payments from their rewards program, this card still offers a base reward rate on these transactions, which adds to the overall value.
Pros
- Up to 3X rewards on UPI spends
- Welcome benefits worth Rs. 200
- Low annual fee of Rs. 199
- Base reward rate on utility & insurance payments
Cons
- Spend-based rewards program
- No travel & lifestyle related benefits
- Low reward redemption value of Rs. 0.25 per point
- Eligibility is limited to existing IDFC FIRST credit cardholders
Frequently Asked Questions
Everything you need to know about this credit card
IDFC FIRST RuPay Credit Card is offered only to existing IDFC FIRST credit cardholders. You can apply for this card online by visiting the card page on the bank’s official website and clicking on “Apply Now.” You’ll be required to submit basic details and complete the application process. Upon approval, you will receive the digital card instantly.
Yes, you can link your IDFC FIRST RuPay Credit Card with all major UPI apps, such as GPay, Paytm, Slice, Freecharge, CRED, PhonePe, Mobikwik, and more.
The payment for this digital credit card is combined with your primary card and reflected in the primary card’s account. You can pay your credit card bill through the IDFC FIRST Bank app, net banking, NEFT, or cheque.
The credit limit on this IDFC RuPay Credit Card is shared with your primary card. It remains the same and this card does not come with an additional or separate credit limit.
No, this is a digital credit card and is issued exclusively online. You will not receive any physical card.
Footnotes
- Reward structure for FIRST Digital Rupay Credit Card linked to FIRST SWYP Credit Card: 100 reward points on UPI spends of Rs. 5,000 in a month.
- The rewards account for RuPay & existing IDFC FIRST Credit Card will be same and the redemption can be done only from the primary account.
- No reward points will be offered on fuel, cash & EMI transactions.
- This is a limited period offer.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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