Key Features & Benefits
- ✦Use credit card limit for UPI payments — scan any QR code and pay
- ✦3X Reward Points on UPI Scan & Pay transactions
- ✦Earn same rewards as primary card on other spends
- ✦100% cashback on first 4 UPI transactions (up to ₹50 each)
- ✦Virtual card — no physical card required
- ✦RuPay network — accepted on all UPI apps (PhonePe, GPay, Paytm, BHIM)
- ✦Reward Points same pool as primary card (never expire)
- ✦1 RP = ₹0.25 standard; higher for travel on premium primary cards
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Welcome & Joining Benefits
- ✦100% cashback (up to ₹200 total — ₹50 each) on first 4 UPI transactions in 15 days
Milestone Benefits
- ✦Check IDFC FIRST Bank website for current benefits
Pros & Cons
✓ Advantages
- ✓Earn credit card rewards on UPI QR code payments — unique and valuable
- ✓3X on UPI is a meaningful boost
- ✓Low ₹199 fee (free on WOW! Black and Gaj)
- ✓Works with all UPI apps
✗ Disadvantages
- ✗Requires existing IDFC FIRST primary card
- ✗Virtual only — no physical card
- ✗Rewards pool shared with primary card
Frequently Asked Questions
Which UPI apps work with this card?
The IDFC FIRST Digital RuPay Credit Card can be added to PhonePe, Google Pay, Paytm, BHIM, and other NPCI-approved UPI apps. Once added, you earn credit card rewards on QR code and UPI ID payments.
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