About IDFC FIRST Digital RuPay Credit Card
IDFC FIRST RuPay Credit Card is a digital card issued against an existing IDFC Bank Credit Card. It can be linked to UPI apps like Paytm, Google Pay, Slice, etc., allowing users to make payments easily while earning rewards. This reward credit card offers up to 3X reward points on UPI spends, making it a useful option for everyday transactions.
You earn 3X rewards on UPI spends above ₹2,000, while smaller transactions earn 1 reward point per ₹150. The card also provides base rewards on categories like utility and insurance payments, which are usually excluded in many cards.
Currently, it is available to existing IDFC FIRST cardholders like Classic, Millennia, WOW!, Select, Wealth, Private, SWYP, Ashva, and Mayura. While it may not fall under Credit Cards with the Best Welcome Bonus, it still offers good value for users who want to earn rewards on UPI spends at an affordable cost.
IDFC FIRST Digital RuPay Credit Card Rewards Program
Rewards Program
- Earn 3 reward points per ₹150 on UPI spends above ₹2,000
- Earn 1 reward point per ₹150 on UPI spends below ₹2,000
- Earn 1 reward point per ₹150 on utility and insurance payments
- Redeem points at ₹0.25 per point
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefits
- Get 100% cashback (up to ₹200) on your first 4 UPI transactions within 15 days of card activation
Also Read: Best Credit Cards in India 2026
Fees and 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 |
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Document Required For IDFC FIRST Digital RuPay Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Digital RuPay Credit Card Highlights
What do we like about this card?
- Earn up to 3 reward points per ₹150 on UPI spends
- Earn reward points on utility and insurance payments
- Redeem points at ₹0.25 per point
- Get 100% cashback (up to ₹200) on your first 4 UPI transactions
Things to Know Before you apply
Get this card if:
- You prefer a fully digital card for easy management
- You are an existing IDFC cardholder and want to earn more on UPI spends
- You can spend above ₹2,000 on UPI to get higher rewards
- You want a low annual fee card with rewards on utility and insurance payments
Pros
- Low annual fee of ₹199
- Welcome benefits worth ₹200
- Earn up to 3X rewards on UPI spends
- Rewards available on utility and insurance payments
Cons
- Rewards depend on spending conditions
- No travel or lifestyle benefits
- Low redemption value of ₹0.25 per point
- Available only for existing IDFC FIRST credit card users
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
The bill is combined with your main IDFC FIRST credit card. You can pay it through the bank app, net banking, NEFT, or cheque.
Yes, you can link the card with major UPI apps like Google Pay, Paytm, PhonePe, CRED, Mobikwik, and more.
No, this is a digital-only card and is not issued in physical form.
You get UPI payment support, reward points on transactions, and easy digital usage for everyday spends.
Yes, the card has a joining and annual fee of ₹199 plus taxes.
You can register the card on apps like BHIM, Google Pay, PhonePe, and Paytm, as long as your mobile number is linked with the bank.
Yes, you earn 3 reward points per ₹150 on UPI spends above ₹2,000 and 1 point per ₹150 on smaller transactions.
