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IDFC FIRST Bank · RuPay

IDFC FIRST Bank Digital RuPay Credit Card

3X on UPI merchant purchases above ₹2,000; 1X on UPI purchases up to ₹2,000 and on insurance and utility spends

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SegmentEntry
Joining fee₹199 + GST
Annual fee₹199 + GST from the second year
Reward typeReward Points

Reward categories

UPI merchant purchases above ₹2,0003X the linked primary card's base Reward Point rate

For Millennia, Classic, Select, Wealth, Family, WOW!, WOW! Black and Business Multiplier, 1X is 1 Reward Point per ₹200. For Private, Ashva, Mayura, Diamond Reserve and FIRST Business, 1X is 1 Reward Point per ₹150.

UPI merchant purchases up to and including ₹2,0001X the linked primary card's base Reward Point rate
Insurance and utility spends1X the linked primary card's base Reward Point rate

Applies irrespective of transaction amount.

Welcome & milestones

Welcome

  • 100% cashback up to ₹200, capped at ₹50 on each of the first 4 UPI transactionsEligible transactions within 15 days of card issuance; only for cards issued with a joining fee

Milestones

None listed in the imported record.

Lounge rules

No domestic airport lounge rule is listed.

Benefits and privileges of the linked primary card do not apply to FIRST Digital RuPay Credit Card UPI transactions.

Eligibility

Age

    Income

      Employment

        Documents

        • Must already hold an eligible IDFC FIRST Bank primary credit card
        • Eligible primary cards currently listed by the issuer: FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private, FIRST SWYP, Ashva, Mayura, FIRST Business, Diamond Reserve or Gaj: Credit Card

        Other benefits

        • Digital-only companion card; no physical card is issued
        • Shares the credit limit and statement with the linked primary IDFC FIRST Bank credit card
        • Supports eligible person-to-merchant UPI transactions; person-to-person transfers are not permitted
        • Reward Points accrue to the primary card's reward account and must be redeemed through the primary card

        Exclusions

        Fuel MCC 5172, 5541, 5542 and 5983Cash MCC 6010, 6011 and 7280EMI transactionsUPI transactions do not count toward the primary card's 10X threshold or programme, except where the issuer expressly provides otherwisePerson-to-person and other NPCI-restricted UPI categories

        Recent changes

        No effective-dated changes are currently recorded.

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