IDFC FIRST Digital RuPay Credit Card

The IDFC FIRST Digital RuPay Credit Card is an all-virtual credit card that capitalizes on IDFC FIRST Bank's signature customer-friendly tenets: 100% Lifetime Free (LTF) issuance, zero interest on ATM cash withdrawals up to 48 days (subject to nominal transaction fee), and never-expiring reward points. Operating over the RuPay network, the card is instantly provisioned in the IDFC FIRST mobile banking app and links seamlessly to UPI apps including PhonePe, Google Pay, Paytm, and CRED. Cardholders earn 3X reward points on UPI transactions above ₹2,000, and 1X reward points on UPI transactions under ₹2,000. 1X reward earn equals 1 Reward Point per ₹150 spent, with each point valued at ₹0.25 (effectively 0.50% return on base and 1.50% on 3X spends). A hallmark advantage of IDFC FIRST's reward ecosystem is that reward points can be redeemed directly to pay for purchases online at checkout or adjusted against statement dues without redemption fees. Standard exclusions apply to peer-to-peer UPI payments, fuel, wallet recharges, and rental payments. With no physical plastic required, zero annual maintenance fees, and seamless digital issuance, the IDFC FIRST Digital RuPay card is one of the cleanest, lowest-friction UPI credit instruments available in India today.

Additional Cardholder Privileges

Mandatory Verification Documents