FIRST Quantum+ Credit Card

Rewards, as stated by the issuer

• Earn up to 2% cashback​
• The Quantum+ Credit Card by IDFC FIRST Bank is a lifetime free, FD-backed credit card starting at just ₹10,000​ FD. Earn up to 2% cashback on everyday spends while building your credit profile.​
• Your credit limit equals 100% of your FD value. Use it online, offline or via UPI Scan & Pay to earn cashback on every eligible transaction, from Day 1.
• 2% Cashback
• 0.5% Cashback
• Online spends on select categories and EMI transactions will not count towards the ₹10,000 online spends milestone.
• 1% Bonus cashback on travel bookings
• Book hotels and flights via the IDFC FIRST Bank Mobile App and earn 1% bonus cashback.
• Scan & Pay via UPI across 60Mn+ merchants on the IDFC FIRST Bank Mobile App to earn 1% cashback
• Up to 2% Cashback
• Earn up to 2% cashback on online spends and up to 1% cashback on eligible UPI & offline purchases.
• Your card is auto-linked to the IDFC FIRST Bank mobile app. Use your app MPIN to make UPI payments and earn 1% cashback.
• 1% Cashback on online spends up to ₹10,000 in a statement cycle
• 2% Cashback on incremental online spends above ₹10,000 in a statement cycle
• 1% Cashback on UPI spends done via IDFC FIRST Bank App
• 1% Cashback on in-store purchases
• 0.5% Cashback on select categories (Utility, Rent, Jewellery, Wallet, Insurance, and Govt. Services)
• Bonus 1% Cashback on hotel & flight bookings done via IDFC FIRST Bank App

Other benefits

• *Select categories include utility bills, wallet loads, insurance, jewellery, government services and rent.
• Withdraw cash interest-free for up to 45 days at a nominal fee of ₹199 + GST.
• Personal Accident Cover of ₹2 Lakhs
• Get a personal accident cover worth ₹2,00,000 with your Quantum+ Credit Card.
• Lost card? You're covered
• Quantum+ is a lifetime free credit card with no joining and annual fees.
• No. The Quantum+ Credit Card is Lifetime Free with zero annual fee - no conditions, no minimum spend required.
• Personal Accident Cover of ₹2,00,000
• Lost Card Liability Cover of ₹25,000
• Earn interest on Fixed Deposit - Your FD continues to earn interest even while it powers your credit card, giving you up to 45 days of free credit.

Welcome & milestones

Lounge access

No airport lounge rule is listed on this card's page.

Eligibility

Every fee line found on the page

• Apply for Quantum+ Credit Card - Lifetime Free, FD Backed | IDFC FIRST Bank
• Lifetime free
• The Quantum+ Credit Card by IDFC FIRST Bank is a lifetime free, FD-backed credit card starting at just ₹10,000​ FD. Earn up to 2% cashback on everyday spends while building your credit profile.​
• Quantum+ is a lifetime free credit card with no joining and annual fees.
• No. The Quantum+ Credit Card is Lifetime Free with zero annual fee - no conditions, no minimum spend required.