Are there any annual fees for IDFC RuPay Credit Cards?

Yes, there are annual fees for IDFC RuPay Credit Cards, but they can be waived. The IDFC HPCL FIRST Power Credit Card, the fee is Rs. 199 plus taxes, which is waived if you spend Rs. 50,000 in the anniversary year. The fee for the IDFC HPCL FIRST Power Plus Credit Card is Rs. 499 plus taxes, waived if you spent Rs. 1,50,000 in the previous year.

How much can I save annually with an IDFC RuPay Credit Card?

With the IDFC HPCL FIRST Power Credit Card, you can save up to Rs. 7,000 annually, and with the IDFC HPCL FIRST Power Plus Credit Card, you can save up to Rs. 18,500 annually.

Can I link my IDFC RuPay Credit Card with UPI apps?

Yes, one of the unique advantages of RuPay credit cards is their compatibility with UPI apps like GPay and PhonePe, allowing for convenient and quick payments.

What are the eligibility criteria for applying for an IDFC RuPay Credit Card?

To apply for an IDFC RuPay Credit Card, you must meet certain eligibility criteria set by IDFC Bank. Typically, this includes being at least 18 years old, having a stable source of income, and possessing a good credit score.

Best IDFC Bank RuPay Credit Cards

By Pranjal Kimta

Updated On 9 August, 2024

IDFC First Bank is one of India’s major private sector banks and is well known for its great products and services. The bank offers both premium and entry-level cards, all of which offer great privileges across multiple spending categories. The best part about their credit cards is that they have minimum charges. RuPay is a payment system launched in India in 2014. It has since expanded its presence in the country, enabling fast and secure transactions. The IDFC RuPay Credit Card, made in India, offers various benefits and rewards. It is a great option for anyone looking for a credit card in India. Read on to learn more about the benefits of IDFC RuPay Credit Cards.

Table of Contents

IDFC HPCL First Power Plus Credit Card
IDFC HPCL FIRST Power Credit Card
IDFC FIRST EARN Credit Card

List of IDFC Bank RuPay Credit Cards

Only three RuPay cards have been launched by the IDFC Bank, the summary of which is given below.

IDFC HPCL First Power Plus Credit Card

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(4.7/5)

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

Up to Rs. 500 cash back on your 1^st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.

Card Details +

The IDFC Bank, in association with the HPCL, has introduced another credit card, the IDFC HPCL FIRST Power Plus, which helps users save up to ₹18,500 annually. The joining and renewal fee is ₹499 plus taxes, which can be waived if the user spends ₹1,50,000 in the previous year. As a welcome benefit, this card offers cashback of up to ₹500 on 1st HPCL fuel transaction of ₹500 or above and 5% cashback capped at ₹1000 on the transaction value of the first EMI. This card also offers 25% off( up to ₹100) on movie tickets once every month and ₹150 off on Swiggy orders worth ₹500. One complimentary domestic airport lounge visit is offered every quarter, and ₹1399 worth of road assistance is offered four times a year. Insurance coverage worth ₹2 lakh is also provided with the FIRST Power Plus credit card.

IDFC HPCL FIRST Power Credit Card

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(4.6/5)

Joining Fee

Rs. 199 + GST

Renewal Fee

Rs. 199 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

Card Details +

The IDFC HPCL FIRST Power Credit Card is a co-branded card between IDFC Bank and HPCL that helps users save ₹7000 annually. The joining fee and renewal fee are ₹199 plus taxes, which will be waived if you spend ₹50,000 in the anniversary year. The card offers ₹150 off on orders above ₹500 and more on Swiggy. Cardholders will get complimentary roadside assistance worth ₹1399 four times a year, insurance coverage worth ₹2 lakh for a personal accident, and ₹25,000 on lost card liability. Also, a fuel surcharge waiver of 1% is capped at ₹100 monthly and is also provided to its users.

IDFC FIRST EARN Credit Card

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(4.5/5)

Joining Fee

₹499 + GST

Renewal Fee

₹499 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

100% Cashback Upto ₹200 (On First Four UPI Transactions Within 15 Days)

Card Details +

Save big on your UPI spends with the IDFC FIRST EA₹N Credit Card. This is a secured card that can be availed against a fixed deposit. The minimum amount for the required fixed deposit is ₹5,000. Earn 1% cashback on all eligible spends made with the IDFC First Bank mobile application. Not only this, but you can also earn 0.5% cashback on all utilities, wallets, insurance, and UPI spends made by other apps. Loaded with benefits, this card can be availed at a low and affordable joining fee of ₹499 + GST and would allow cardholders to earn up to ₹6,000 cashback in a year.

Comparison of the Top IDFC RuPay Credit Cards

Features	IDFC HPCL FIRST Power Credit Card	IDFC HPCL FIRST Power Plus Credit Card
Joining Fee	₹199 + GST	₹499 + GST
Renewal Fee	₹199 + GST	₹499 + GST
Reward Rate	Save up to 5% on fuel spends Save 2.5% as rewards on utility and grocery spend Save 2.5% as a reward on IDFC FASTag recharge 2x rewards on other retail spend	30x RP on HPCL fuel (up to 2,400 RP) Save 5% as rewards on grocery and utility Save up to 5% as a reward on IDFC FASTag recharge 3x rewards on all other retail transactions
Reward Redemption	Pay with reward points for both transactions (online/ offline) at selected merchants. Redeem RP for membership or vouchers on IDFC Bank’s Redemption Catalog	One reward point = ₹0.25
Welcome Benefits	N/A	Cashback up to ₹500 on the first HPCL fuel transaction above ₹500 Up to 5% cash back on the transaction value of 1st EMI capped at up to ₹1000
Movie/ Dining Benefits	₹150 off on Swiggy orders worth ₹500 or more	25% off on movie tickets up to ₹100 per month Discount of ₹150 on all orders above ₹500
Travel Benefits	Complimentary roadside assistance worth ₹1399 four times a year	One complimentary domestic airport lounge visit every quarter ( 4 annually) Roadside assistance worth ₹ 1399 four times a year
Insurance Benefits	Personal accident cover worth ₹ 2 lakh	Personal accident loan cover worth ₹ 2 lakh

Benefits of IDFC RuPay Credit Cards

Secure Payments

Transactions made through the IDFC RuPay Credit Card are extremely safe and secure when made through RuPay.

Convenient UPI Payments

In India, only RuPay credit cards can be linked with UPI apps like GPay, PhonePe, etc. RuPay Credit Cards offer easy payments with a touch. Both the IDFC credit cards, FIRST Power and FIRST Power Plus, can be linked to the UPI for fast and easy payments.

Annual Savings

Cardholders can save up to ₹7,000 annually with the IDFC HPCL FIRST Power Credit Card and up to ₹ 18,500 with the IDFC HPCL FIRST Power Plus Credit Card.

EMIs

Convert your purchases and card balances to EMIs with the IDFC RuPay credit card. Get 5% cashback up to a maximum of ₹1000 on your first EMI transaction.

How to Apply for IDFC RuPay Credit Cards?

After comparing and reading all the benefits of the IDFC RuPay credit cards, follow these steps to apply for your preferred credit card:

Select the card of your choice and click on “Apply Now.”
You will be redirected to the official IDFC Bank form for your preferred RuPay credit card.
The form of the preferred RuPay credit card will open. Fill in all the important details.
Fill in all the required details and keep your official documents in hand, such as your Aadhaar and PAN Card.
Once you have completed the form, click “Submit” to complete your request for a new credit card.

Bottom Line

IDFC First Bank offers a wide range of credit cards, including lifetime-free cards with exclusive benefits across all spending categories, catering to everyone from beginners to high-net-worth individuals. Linking your IDFC RuPay credit card with UPI applications makes it easy to make payments anywhere, making it a great choice for people new to credit cards and those who have been using them for a while.

FAQs:

How many RuPay Credit Cards does IDFC offer?

IDFC First Bank offers three traditional RuPay Credit Cards and one digital RuPay Credit Card. These cards allow for fast and easy payments via UPI and carry specific RuPay benefits.

Are there any secured RuPay Credit Cards by IDFC Bank?

The FIRST EARN Credit Card is a secured offering by IDFC Bank and is available on the RuPay platform.