IDFC FIRST Digital RuPay Credit Card
IDFC FIRST Digital RuPay Credit Card
Add-on metal variant for existing IDFC FIRST cards
Enables UPI payments using credit card
Premium metal variant
Personalized Match by CredHunt • credhunt.com
Digital-only RuPay credit card issued as an add-on to existing IDFC FIRST credit cards for enabling UPI transactions
Joining Fee
₹199
Annual Fee
₹199
Rating
5.0/5.0(0 reviews)
Key Features
Add-on metal variant for existing IDFC FIRST cards
Enables UPI payments using credit card
Premium metal variant
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
4 reward points per ₹150 on retail spends (except fuel); 1 reward point per ₹150 on government and insurance spends
Point Value
1pt=₹1.5
Points Expiry
N/A
Bonus Rewards
Welcome Offer
1 Free Night Award and 10 Elite Night Credits on first eligible spend transaction or fee levy; From Mar-Aug 2025: 3,000 bonus points on spend of ₹2L, additional 7,000 bonus points on spend of ₹4L
Accelerated Rewards
5X reward points on SmartBuy portal; accelerated rewards on travel bookings and milestone spending
Card Benefits
Travel Benefits
8/year
2 complimentary airport lounge access per quarter
Dining & Entertainment
5 Reward Points for every ₹100 spent on Dining
1+1 PVR tickets
Lifestyle & Protection
LUXE vouchers on spends
Not specified in MITC
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver (no cap up to ₹10,000 per month) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived on spends of ₹25,00,000 in previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹12L+
Expert Opinion
Shopping-focused card with excellent 5% cashback on grocery and departmental store purchases. The achievable annual fee waiver threshold makes it good value for regular shoppers. Limited benefits beyond the accelerated categories may reduce appeal for diverse spenders.
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Experience the premium benefits of the IDFC FIRST Digital RuPay Credit Card today.