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Best IDFC Bank RuPay Credit Cards

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.

IDFC Bank RuPay Credit Cards

Table of Contents

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.

Apply NowView Details
Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Best Suited For
Fuel
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate30X Reward Points on HPCL Fuel up to 2,400 Reward Points. You can save up to 5% as rewards on grocery and utility expenses, up to 5% as a reward on IDFC FIRST FASTag recharges (max ₹1,000 per month), and 3X rewards on all other retail transactions.

Welcome Benefits₹500 gift voucher on your 1st HPCL fuel transaction above ₹500 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.

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.

Apply NowView Details
Joining Fee
₹199 + GST
Annual Fee
₹199 + GST
Best Suited For
Fuel
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards RateSave up to 5% on your fuel spending. Save 2.5% as a reward on your utility and grocery expenses. 2.5% as a reward on your IDFC FASTag recharge. 2x rewards on all other retail spend.

Welcome Benefits₹250 gift voucher on your 1st HPCL fuel transaction above ₹250 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.

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.

Apply NowView Details
Joining Fee
NIL for Limited Time
Annual Fee
₹499 + GST
Best Suited For
Shopping
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards Rate1% Cashback on UPI Spends Via IDFC App and 0.5% Cashback on All Other Spends Including Utilities and Insurance

Welcome Benefits10% Cashback Up to ₹250 (On First Transaction Within 15 Days of Card Issuance)

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.

Frequently Asked Questions

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.