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IDFC FIRST Digital RuPay Credit Card

The IDFC FIRST Digital RuPay Credit Card is a simple and affordable credit card for people who want to use their credit card on UPI apps like Google Pay, PhonePe, Paytm, and BHIM. It comes with a low joining and annual fee of ₹199 + GST.

This card is a good option for existing IDFC FIRST Bank credit card users because most IDFC FIRST credit cards are on the Visa or Mastercard networks, which generally do not support credit card linking on UPI the way RuPay cards in India do. So, if someone already has an IDFC FIRST Visa or Mastercard credit card and wants the convenience of paying via UPI with a credit card, they can simply add this Digital RuPay Credit Card as an additional card.

As this is a floater card, it uses the same credit limit as your existing primary IDFC FIRST credit card, rather than giving you a separate credit limit. In simple words, both cards share the same available limit, billing cycle, and account, making it easier to manage while also adding the benefit of UPI-based credit card payments.

IDFC FIRST Digital RuPay Credit Card

( 4.5 / 5 )
IDFC FIRST Digital RuPay Credit Card
  • Joining Fee₹199 + GST
  • Annual Fee₹199 + GST
  • Best Suited ForUPI
  • Reward TypeReward Points

Rewards Rate

3X rewards on UPI Spends Above ₹2,000, Earn 1X Reward Point on UPI Spends Below ₹2,000, and Earn 1X Reward Point on all Utility and Insurance Payments

Welcome Benefits

100% Cashback Up to ₹200 on the First Four UPI Transactions

Movie & Dining

N/A

Rewards Rate

3X rewards on UPI Spends Above ₹2,000, Earn 1X Reward Point on UPI Spends Below ₹2,000, and Earn 1X Reward Point on all Utility and Insurance Payments

Reward Redemption

N/A

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    N/A

    Interest Rates

    N/A

    Fuel Surcharge Waiver

    N/A

    Cash Advance Charges

    N/A

    • The card comes with a joining fee of  ₹199 + GST.
    • This is a floater card with the primary credit card. It shares the same credit limit as the existing card and uses the same billing cycle and statement as the primary card
    • The card offers a welcome cashback of up to ₹200
    • You can earn up to 3X Reward Points on eligible UPI spends

    Pros

    • The card has a low joining and annual fee of just ₹199 + GST each, making it affordable for most users.
    • As the card supports UPI payments through apps like Google Pay, PhonePe, Paytm, and BHIM, this card is an ideal add-on card for existing IDFC FIRST Bank credit card holders who want UPI.

    Cons

    • Benefits can vary depending on the primary IDFC FIRST card linked with it, which may confuse some users.

  • Rewards and Benefits with FIRST RuPay Credit Card

    Welcome Benefit

    The IDFC FIRST Digital RuPay Credit Card comes with a welcome benefit where users can get 100% cashback of up to ₹200.

    Reward Points on UPI Transaction

    • The users can earn up to 3X Reward Points on UPI transactions made using the IDFC FIRST Digital RuPay Credit Card.
    • Earn 1X Reward Points on UPI transactions below ₹2,000 made using the IDFC FIRST Digital RuPay Credit Card.
    • 1X Reward Points on utility bills and insurance payments.

    UPI Reward Benefits Linked to Your Existing IDFC FIRST Card

    If your IDFC FIRST Digital RuPay Credit Card is linked to the FIRST SWYP Credit Card, you will receive 100 Reward Points when your total UPI spending reaches ₹5,000 in a statement month. However, if it is linked to the Gaj Credit Card, you will earn 1 Reward Point for every ₹150 spent on UPI transactions, making the reward structure different based on the primary credit card you hold.

    Bottom Line

    The IDFC FIRST Digital RuPay Credit Card is a good add-on for people who already use an IDFC FIRST credit card and want the flexibility of paying through UPI. The card keeps things simple by sharing the same credit limit and billing cycle as your primary card, so there is no extra hassle to manage.

    On top of that, the low fee, cashback offer, and reward points on daily UPI spends make it useful for regular transactions. It may not be the most premium rewards card out there, but for anyone looking for a convenient and affordable way to use a credit card on UPI apps, this card does its job quite well.

    FAQs:

    The card comes with a joining fee and an annual fee of ₹199 + GST each.

    Yes, the card can be linked with supported UPI apps for making payments directly through UPI.

    No, it works as a floater card and shares the same credit limit as your primary IDFC FIRST credit card.

    A floater card shares the same account, billing cycle, and credit limit as the primary credit card instead of offering a separate limit.

    Users can get 100% cashback of up to ₹200 as a welcome benefit.

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