IDFC FIRST Bank Quantum+ Credit Card
IDFC FIRST Bank · Open to apply
A lifetime-free RuPay card issued against an IDFC FIRST fixed deposit from ₹5,000, with no income proof. 1% cashback in stores and on the first ₹10,000 of online spend a statement, 2% on online spend above that, 1% on UPI through the bank's app, all capped at ₹500 a statement.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- In-store (POS and contactless) spends, 1%: 1% cashback (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Flights and hotels booked in the IDFC FIRST app, 1% bonus cashback: 1% cashback on top of the base rate (about 1% at cash value)
Earns nothing on
- No cashback on UPI through third-party apps
- No cashback on EMI and cash withdrawals
Terms the calculator does not value
- Cashback is computed only on spends up to the credit limit (the FD amount) in a statement cycle, and is forfeited for a cycle in which the minimum due is not paid by the due date.
- The fixed deposit keeps earning interest while it secures the card; the calculator does not count deposit interest or the cost of locking the money.
Sources
- Quantum+ Credit Card product page, with cashback, eligibility and FAQ (Product page, the bank's own, read 6 Nov 2026)
- Quantum+ Credit Card Product Feature Document (cashback terms, travel bonus, insurance; PDF created 3 July 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- Quantum+ Credit Card product guide (PDF created 15 July 2026) (Product page, the bank's own, read 6 Nov 2026)
- IDFC FIRST Bank credit card MITC (PDF modified 12 October 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)