All cards / IDFC FIRST Bank
IDFC FIRST Digital RuPay Credit Card
A virtual, UPI-linked RuPay credit card that IDFC FIRST issues as an add-on to an existing credit card relationship, aimed at households that want to split or track UPI spending separately while sharing one credit limit. It's a lightweight way to get RuPay-on-UPI rewards without applying for a fresh full card.
Annual fee
₹199
Joining fee
₹199
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- 100% cashback up to ₹200 on introductory UPI transactions.
- Up to 3X reward points on selected UPI payments; credit limit and rewards pool with the linked IDFC FIRST card.
Pros
- + Fast digital activation for existing IDFC FIRST customers
- + Up to 3X points on select UPI spends
- + Shares credit limit with the primary card, no extra underwriting
Cons
- − Only available as an add-on to an existing IDFC FIRST credit card
- − Small joining/annual fee unlike many other entry RuPay cards