All cards / IDFC FIRST Bank
IDFC FIRST Quantum+ Credit Card
An FD-backed, lifetime-free RuPay card built for UPI-first spenders and those building or rebuilding credit history. Cashback runs up to 2% on online spends and 1% on UPI scan-and-pay, though the combined cashback is capped at ₹500/month.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping, utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ✈️ Travel
1.5% reward rate
- 🛡️ Insurance
Personal accident cover worth ₹2 lakh.
- 🛍️ Shopping
2% reward rate (capped ₹500/monthly)
- 🧾 Utilities
0.5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- Personal accident cover worth ₹2 lakh.
- FD-backed card: credit limit equals 100% of the linked fixed deposit (minimum ₹10,000), which continues to earn interest.
Pros
- + Lifetime free with no income proof required
- + FD keeps earning interest while backing the credit limit
- + Decent cashback on online and UPI spends
Cons
- − Requires a minimum ₹10,000 fixed deposit
- − Combined cashback capped at ₹500/month
Best for