IDFC FIRST Bank FIRST Digital RuPay Credit Card
IDFC FIRST Bank · Open to apply
A ₹199-a-year digital RuPay companion that puts an IDFC FIRST Visa or Mastercard credit line on UPI. Linked to the bank's main cards it pays 3 points per ₹200 on UPI payments above ₹2,000 and 1 per ₹200 on smaller ones and on bills, into the primary card's reward account.
- Annual fee
- ₹199 + GST a year
- Joining fee
- ₹199 + GST
- Base rate
- Anything else, nothing published: 0% in IDFC FIRST Bank reward points (primary card's account) (about 0% at cash value)
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- UPI payments above ₹2,000, 3X (3 points per ₹200): 3 IDFC FIRST Bank reward points (primary card's account) per ₹200 (about 0.38% at cash value)
- UPI payments up to ₹2,000, 1X (1 point per ₹200): 1 IDFC FIRST Bank reward points (primary card's account) per ₹200 (about 0.13% at cash value)
- Insurance, utilities, FASTag and railways, 1X: 1 IDFC FIRST Bank reward points (primary card's account) per ₹200 (about 0.13% at cash value)
- Railways, 1X: 1 IDFC FIRST Bank reward points (primary card's account) per ₹200 (about 0.13% at cash value)
Earns nothing on
- Anything else, nothing published
- No points on fuel, cash and EMI
Terms the calculator does not value
- The earn depends on the primary card: X is ₹200 for FIRST Millennia, Classic, Select, Wealth, Family, WOW! and Business Multiplier and ₹150 for FIRST Private, Ashva, Mayura, Diamond Reserve, WOW! Black and FIRST Business; linked to FIRST SWYP it earns 100 points per ₹5,000 of UPI in a statement cycle, and linked to Gaj: 1 point per ₹150 of UPI. This file values the ₹200 structure. UPI spends do not count toward the primary card's 10X thresholds (except Ashva and Mayura) or SWYP's monthly milestones.
- Introductory offer: 100% cashback up to ₹200 (up to ₹50 on each of the first 4 UPI transactions within 15 days of card generation), only on cards issued with the joining fee. No end date is given.
- The primary card's benefits and privileges do not apply to the digital card's UPI transactions (FAQ).
Sources
- FIRST Digital RuPay Credit Card product page, with fees, reward structure and FAQ (Product page, the bank's own, read 6 Nov 2026)
- IDFC FIRST Bank credit card Most Important Terms and Conditions (MITC) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- UPI on Credit Card product guide (FIRST Digital RuPay Credit Card) (Reward terms, the bank's own, read 6 Nov 2026)