The IDFC FIRST RuPay Digital Credit Card is a virtual card launched for making UPI payments. The IDFC Bank in association with the RuPay network offers users to make UPI transactions through their credit card. This card can be scanned at 60 million plus merchant QR codes. This is a plastic-free credit card that offers perks and benefits to its customers. This card lets its users earn cashback and reward points with each UPI payment. Your existing IDFC FIRST Credit Card limit will be shared with this digital card, and transactions will be included in your existing credit card statement. Your statement date and payment due date remain unchanged.

IDFC FIRST RuPay Digital Credit Card

Existing IDFC cardholders who own cards like the FIRST Classic, FIRST WOW!, FIRST Millennia, FIRST Wealth, FIRST Private, or FIRST SWYP can apply for the RuPay Digital card without any difficulty and will easily be able to get it on time.  This card can be linked to any UPI application like GPay, Freecharge, BHIM, Paytm, PhonePe, etc., and make transactions through UPI-registered merchants. Below is a detailed description of the FIRST RuPay Digital Credit Card which will help you in learning more about all the features it provides.

Features of the RuPay Digital Card


The IDFC FIRST RuPay Digital Credit Card has a nominal joining fee of Rs. 199 plus taxes and an annual fee of Rs. 199 plus taxes. Additionally, there are no charges for add-on cards. The low annual fees make this card affordable for people of all generations and easily accessible for those interested in applying for it.

Introductory Perks

The IDFC FIRST RuPay Credit Card offers a variety of rewards as a welcome gift to its users. The users will get 100% cashback up to Rs. 200 on the first 4 UPI transactions within 15 days of card issuance, up to Rs. 50 per month. The cashback will be credited to the cardholder’s account within 60 days.


A cardholder will get 3x rewards on UPI spent above Rs. 2,000 and 1x rewards on UPI spent below Rs. 2,000. The RuPay Digital Credit Card also offers 1x rewards on all utility and insurance payments. One of the best perks of this credit card is that you can earn reward points with every transaction made through the UPI application. A 48-day interest-free credit window will be provided to users for repayment of the credit card bill.

Eco-Friendly Card

The IDFC FIRST RuPay Digital Credit Card is a virtual credit card issued against your primary IDFC FIRST Credit Card. Being digital means that it is plastic-free and eco-friendly. The FIRST RuPay Digital Credit Card is not available in physical mode, and it can be obtained against your existing IDFC FIRST Bank Credit Card. This card will be issued to you instantly without any hassle.

Single Bill

When you receive your IDFC FIRST Digital RuPay Credit Card, both the outstanding balance and the primary card will be included in one consolidated bill sent to you. This makes it easier to see and manage all your spending in one place. It’s a simple and convenient way to keep track of your credit card usage.

Who Can Apply for the RuPay Digital Card?

A person who owns an IDFC FIRST Bank Credit Card or is applying for one like the FIRST Classic, FIRST WOW!, FIRST Millennia, FIRST Wealth, FIRST Private, or FIRST SWYP, can get the card right away. This offer allows you to access the benefits of the credit card without any additional waiting time. It’s a convenient way to start using your new card and enjoying its perks as soon as possible. Keep in mind that this offer does not apply to IDFC FIRST HPCL Power and Power Plus Credit Cards.

  • Open the desired UPI app on your mobile phone.
  • There will be an option to add a RuPay Credit Card and select the option.
  • You will see a list of all the banks. Search for the IDFC Bank RuPay Credit Card and select it.
  • Choose the RuPay Digital Credit Card and create a PIN for the card.
  • An OTP will be sent to your registered mobile number.
  • Enter the OTP and your credit card has been linked with your UPI app.

Bottom Line

The IDFC FIRST RuPay Digital Credit Card is a convenient way to make UPI payments without the need for a physical card. It offers flexibility and ease of use, allowing users to make transactions with over 60 million merchant QR codes. The introductory perks and rewards make it an attractive option for those looking to maximize their benefits. Overall, the IDFC FIRST RuPay Digital Credit Card is a modern and practical solution for individuals who want to enjoy the perks of a credit card while embracing the convenience of digital payments.

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