IDFC FIRST RuPay Credit Cards

IDFC FIRST Bank offers a wide variety of RuPay credit cards, including both secured as well as unsecured card variants. These cards cater to varied needs of the customers and focus on different spending categories, like travel, fuel, online shopping and others, while offering access to UPI transaction facility. This not only allows the cardholders to save on their spends through rewards and cashback, but also use their RuPay credit card for everyday UPI payments by linking it to any UPI app of choice, including Google Pay, Paytm, BHIM, PhonePe, etc.

Best IDFC FIRST RuPay Credit Cards in India

Here is the list of the best IDFC FIRST Bank Credit Cards on RuPay network using which you can save on UPI and other transactions:

IDFC FIRST Power+ Credit Card

4_/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 6.5% value-back on HPCL fuel spends

Up to 8.83% savings on travel spends through IDFC FIRST mobile app

Rewards

Fuel

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Product Details

• 30 rewards per Rs. 150 spent on HPCL fuel & LPG; 6 Happy Coins per Rs. 100 spent on HP Pay app
• 30 rewards per Rs. 150 spent on grocery, utilities & IDFC FIRST FASTag
• 3 rewards per Rs. 150 spent on UPI & other purchases, 1 RP = Rs. 0.25
• 1 complimentary domestic airport lounge access per quarter on min. monthly spends of Rs. 20,000
• 25% off, up to Rs. 100, on movie tickets once per month & annual fee waived on Rs. 1.5 lakh annual spends

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IDFC FIRST Hello Cashback Credit Card

3.5_/5

Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

Up to 5% cashback on online spends

Up to 6% back on travel & 1% on UPI spends on IDFC FIRST app

Cashback

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Product Details

• 3% cashback on monthly online spends up to Rs. 10,000 & 5% on other online spends
• 1% cashback on offline and essential spends, along with UPI spends made via IDFC FIRST Bank app
• Bonus 1% cashback on flights and hotels booked via IDFC FIRST Bank app
• 50% annual fee reversal on annual spends between Rs. 1 lakh and Rs. 2 lakh
• 100% annual fee reversal on annual spends of min. Rs. 2 lakh

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IDFC FIRST WOW! Black Credit Card

3.5_/5

Joining fee: ₹750

Annual/Renewal Fee: ₹750

Zero foreign exchange markup fee

Up to 50X bonus reward points on travel bookings

Travel

Movies

Rewards

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Product Details

• Up to 3 reward points per Rs. 150 on UPI spends
• 1% fuel surcharge waiver, up to Rs. 200 per month
• 25% discount on movie tickets, up to Rs. 100 per month, on the District by Zomato mobile app

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IndiGo IDFC FIRST Dual Credit Card

3_/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

Up to 22 BluChips per Rs. 100 spent on flight bookings via IndiGo platfroms

Vouchers up to 25,000 IndiGo BluChips as milestone bonus

Travel

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Product Details

• 3 BluChips per Rs. 100 spent on other category spends
• Voucher of 5,000 IndiGo BluChips and a meal voucher every year on fee payment
• Rs. 25,000 trip cancellation cover every year
• 4 complimentary golf rounds and 12 golf lessons every year via Mastercard
• 1.49% forex mark-up charges

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IDFC FIRST EARN Credit Card

3_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

Up to 8% bonus cashback on travel spends

1% cashback on UPI spends via IDFC FIRST Bank mobile app

Movies

Cashback

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Product Details

• 4% bonus cashback on all flight bookings via ‘Travel and Shop’
• 8% bonus cashback on all hotel bookings via ‘Travel and Shop’
• 25% off (Up to Rs. 100) on movie tickets, per month, on District by Zomato

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HPCL IDFC FIRST Power Credit Card

3_/5

Joining fee: ₹199

Annual/Renewal Fee: ₹199

Up to 5% savings on fuel spends

Up to 8.67% savings on travel via IDFC FIRST mobile app

Rewards

Fuel

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Product Details

• Welcome benefits worth Rs. 2,250
• 3.5% savings on HPCL fuel spends; Additional 1.5% savings through HP Pay App
• Complimentary roadside assistance worth Rs. 1,399 up to 4 times in a year
• Personal accident cover worth Rs. 2 lakh and lost card liability cover worth Rs. 25,000

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Features & Benefits of IDFC FIRST RuPay Credit Cards

Given below are the detailed features, benefits and fees of the top IDFC FIRST RuPay Credits Cards:

IDFC FIRST Power+ Credit Card

Annual Fee: Rs. 499 + taxes
Key Features:

• 30 rewards points per Rs. 150 spent on HPCL fuel, IDFC FIRST FASTag recharge, grocery and utility spends
• 6 Happy Coins per Rs. 100 spent on fuel through HP Pay app
• Up to 53 reward points per Rs. 150 spent on travel under ‘Travel & Shop’ section on IDFC FIRST app
• 3 reward points per Rs. 150 spent on other categories
• Up to 4 domestic airport lounge visits per year
• 25% off, up to Rs. 100, on movie tickets via District, once a month
• Roadside assistance service worth Rs. 1,399 up to 4 times in a year

IDFC FIRST Power+ is a fuel credit card co-branded with HPCL that offers a high savings rate of up to 6.5% on partner fuel spends. In addition to HPCL fuel, cardholders also get 5% value-back on categories like groceries and utilities. The complimentary airport lounge access that comes with a quarterly spending condition of Rs. 20,000, movie discount and bonus rewards on travel, make it a good choice for not just fuel, but other lifestyle benefits as well.

IDFC FIRST Hello Cashback Credit Card

Annual Fee: Rs. 1,000 + taxes
Key Features:

• Up to 6% cashback on flights and hotels booked via IDFC FIRST Bank app
• 5% cashback on incremental monthly online spends above Rs. 10,000
• 3% cashback on monthly online spends of up to Rs. 10,000
• 1% cashback on UPI spends made via IDFC FIRST Bank app, offline and essential spends
• 50% annual fee reversed on annual spends between Rs. 1 lakh and Rs. 2 lakh
• 100% annual fee reversed on min. Rs. 2 lakh annual spends

This is a secured card on RuPay network that is issued against a minimum fixed deposit worth Rs. 10,000. It comes with a credit limit worth 100% of the FD amount and is suitable for frequent online shoppers and those who can maximise their value-back earnings by using IDFC FIRST Bank’s app for UPI and travel spends. However, you should keep in mind that this card does not offer any cashback on UPI spends made using any other third-party UPI app.

IDFC FIRST WOW! Black Credit Card

Annual Fee: Rs. 750 + taxes
Key Features:

• Up to 50 bonus reward points per Rs. 150 spent on hotels and flights booked via IDFC FIRST Bank app
• 4 reward points per Rs. 150 spent online and offline
• 3 reward points per Rs. 150 spent on UPI spends above Rs. 2,000
• 1 reward point per Rs. 150 spent on UPI spends below Rs. 2,000, insurance and utilities
• 25% off on movies, up to Rs. 100, on the District app, once a month
• Zero forex mark-up fee
• 4 free domestic airport lounge visits per year on reaching Rs. 20,000 monthly spends
• Annual fee waived on Rs. 1.5 lakh annual spends

This is an FD-backed premium secured card that comes with dual network benefits of both Mastercard and RuPay against an FD of Rs. 20,000 or more. Cardholders can save up to 1% as reward points on UPI transactions through the complimentary RuPay virtual card that is offered along with the physical Mastercard variant. Apart from its reward program, this card offers joining benefits worth more than Rs. 5,000 in the form of complimentary memberships, travel discounts, etc., which far exceed the joining fee charged. 

IndiGo IDFC FIRST Dual Credit Card

Annual Fee: Rs. 4,999 + taxes
Key Features:

• Up to 22 BluChips per Rs. 100 spent on flight bookings through IndiGo app/website
• 3 BluChips per Rs. 100 spent on other category spends
• 0.5 BluChips per Rs. 100 spent on UPI (via RuPay card), fuel, rent, insurance, utility and wallet spends
• 1.49% forex mark-up fee
• Up to 25,000 bonus IndiGo BluChips as annual milestone benefits
• Trip cancellation cover of up to Rs. 25,000 every year

This IDFC FIRST credit card is a co-branded travel card in collaboration with IndiGo airlines. It comes with dual network benefits of Mastercard and RuPay. Both the card variants share the same credit limit and benefits, with the addition of UPI integration on the RuPay card variant. It offers considerable co-branded travel benefits in the form of accelerated reward rate on IndiGo bookings and bonus IndiGo BluChips as milestone benefits, along with a lower forex mark-up and trip cancellation coverage. However, unlike most travel-centric cards, it does not provide any complimentary airport lounge access.

IDFC FIRST EARN Credit Card

Annual Fee: Rs. 499 + taxes
Key Features:

• 1% cashback on UPI spends via IDFC FIRST Bank app
• 0.5% cashback on online, utility, insurance and wallet load spends and third-party UPI platform spends
• Up to 8% bonus cashback on travel bookings via ‘Travel and Shop’ section on IDFC FIRST Bank app
• 25% off, up to Rs. 100, on movie tickets via District, once a month

This IDFC FIRST RuPay credit card is a virtual secured card offered against a minimum fixed deposit amount of Rs. 5,000. It currently comes without any joining fee and its renewal fee of Rs. 499 can be waived on spending Rs. 1 lakh or more on a year. Suitable for those who wish to build their credit score, this card provides cashback across spending categories.

IDFC FIRST Power Credit Card

Annual Fee: Rs. 199 + taxes
Key Features:

• 21 rewards points per Rs. 150 spent on HPCL fuel
• 6 Happy Coins per Rs. 100 spent on fuel through HP Pay App
• 15 reward points per Rs. 150 spent on groceries, utility and IDFC FIRST FASTag recharge
• Up to 52 reward points per Rs. 150 spent on travel via ‘Travel & Shop’ section on IDFC FIRST app
• 2 reward points per Rs. 150 spent
• Complimentary roadside assistance worth Rs. 1,399, up to 4 times in a year

This card is IDFC FIRST Bank’s one of the two co-branded fuel cards with HPCL. It offers up to 5% savings on HPCL fuel spends and 2.5% on everyday spending categories like groceries and utilities. Bonus rewards on select travel spends add to the card’s value-back potential. Moreover, even though its annual fee is quite low, it can also be waived by reaching Rs. 50,000 spends in a year.