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IDFC FIRST Digital RuPay Credit Card

The IDFC FIRST Digital RuPay Credit Card offers rewards-focused benefits with a low first-year fee of ₹199 plus taxes. Cardholders earn up to 3X reward points on UPI transactions and enjoy 100% cashback on the first four UPI spends, making it an ideal choice for digital payments and everyday transactions.

IDFC FIRST Digital RuPay Credit Card

About IDFC FIRST Digital RuPay Credit Card

The IDFC FIRST Digital RuPay Credit Card is a digital-only card designed for existing IDFC FIRST Credit Card holders. It can be linked with popular UPI apps such as Paytm, GPay, and Slice, allowing users to earn up to 3X reward points on UPI transactions.

For UPI spends above ₹2,000, cardholders earn 3X rewards, while transactions below ₹2,000 earn points at the base rate of 1 point per ₹150. Additionally, the card provides rewards on categories usually excluded, including utility and insurance payments.

Eligible applicants include holders of IDFC FIRST cards such as Classic, Millennia, WOW!, Select, Wealth, Private, SWYP, Ashva, and Mayura. For those seeking affordable annual fees with strong UPI benefits, this digital card is an attractive choice.

Note: This card is not listed on Paisabazaar. For more details or to apply, visit the IDFC FIRST Bank website.

Features & Benefits

Rewards Program

  • Earn 3 reward points for every Rs. 150 spent on UPI transactions above Rs. 2,000.

  • Earn 1 reward point for every Rs. 150 spent on UPI transactions below Rs. 2,000.

  • Get 1 reward point for every Rs. 150 spent on utility bills and insurance payments.

  • Redeem your reward points at a rate of 1 RP = Rs. 0.25.

Welcome Benefits

  • Receive up to Rs. 200 cashback on your first four UPI transactions made within 15 days of activating the card.

IDFC FIRST Digital RuPay Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

IDFC FIRST Digital RuPay Credit Card: Fees & Charges

Particulars Amount
Joining Fee Rs. 199 + Applicable Taxes
Annual Fee Rs. 199 + Applicable Taxes
Interest Rate 0.71% to 3.85% p.m. | 8.5% to 46.2% p.a.
Overdue Interest 3.99% p.m. | 47.88% p.a.
Late Payment Charges As per the primary card

Things to Know Before Applying

Who Should Consider This Card:

  • If you like to manage your credit card entirely through digital platforms.

  • If you already hold an IDFC Credit Card and want to earn extra rewards on UPI transactions.

  • If you’re looking for a card with a low annual fee that still gives rewards on utility and insurance payments.

  • If you can regularly spend over Rs. 2,000 on UPI to take full advantage of the rewards program.

Steps to Close IDFC FIRST Digital RuPay Credit Card

If you want to close your IDFC FIRST Digital RuPay Credit Card, you can easily initiate the process through the online banking services offered by IDFC FIRST Bank.

Close via Mobile App or Net Banking

Follow these simple steps to request closure:

  • Step 1: Log in to Your Account
    Access your IDFC FIRST Bank mobile app or internet banking using your registered login details.
  • Step 2: Navigate to Cards Section
    Go to the Accounts/Cards section and select your Digital RuPay Credit Card.
  • Step 3: Choose Closure Option
    Select the close card or card closure option from the available settings.
  • Step 4: Enter Required Details
    Provide the required information such as the reason for closure and complete the verification process.
  • Step 5: Confirm the Request
    Review all details and submit your request. OTP verification may be required to confirm the action.

Important Things to Check Before Closing

  • Ensure there are no pending dues on your card

  • Clear all EMIs and outstanding balances

  • Redeem all reward points or benefits

  • Cancel any auto-debits or subscriptions linked to the card

After Submitting the Request

  • Do not use the card after placing the closure request

  • Destroy the card securely after receiving confirmation

  • Check your credit report after a few weeks to ensure the status is updated as “Closed”

IDFC FIRST Digital RuPay Credit Card Helpline Number

If you need any assistance regarding your IDFC FIRST Digital RuPay Credit Card, you can connect with the customer support team of IDFC FIRST Bank. The bank offers reliable support for billing issues, transactions, card blocking, and closure requests.

Customer Care Numbers (24×7)

These numbers are available round the clock for all credit card-related queries.

Email Support

You can raise your queries or complaints using your registered email ID for faster resolution.

Services Available

Customer care can assist you with:

  • Credit card billing and transaction-related queries

  • Payment and statement assistance

  • Blocking your card in case of loss or fraud

  • Credit card closure or cancellation requests

  • General banking support

Important Note

  • Keep your registered mobile number ready for verification

  • Always use official contact details to avoid fraud or scams

FAQs

Who can apply for the IDFC FIRST Digital RuPay Credit Card?

This card is available only to existing IDFC FIRST Credit Card holders. Eligible customers can apply online through the bank’s official website and receive the digital card instantly upon approval.

Yes, the card can be linked with most major UPI platforms, including Google Pay, PhonePe, Paytm, Slice, Freecharge, CRED, and Mobikwik.

Bill payments for the digital RuPay card are combined with your primary IDFC FIRST Credit Card account. You can pay via the bank’s app, net banking, NEFT, or cheque.

The digital RuPay card shares the same credit limit as your primary IDFC FIRST Credit Card. It does not have a separate limit.

No. This card is issued digitally only and does not come with a physical version.

Eligibility is determined by the bank based on your existing card usage and credit profile. Only select cardholders can apply.

Key benefits include earning reward points on UPI spends, seamless online usage, and easy integration with digital payment apps.

Yes, the card has a nominal joining and annual fee of Rs. 199 plus applicable taxes.

You earn 3 reward points for every Rs. 150 spent on UPI transactions above Rs. 2,000, and 1 reward point per Rs. 150 spent below Rs. 2,000.

Yes, it can be registered on popular UPI apps like BHIM, Google Pay, PhonePe, and Paytm, provided your registered mobile number is linked with the bank.

This card is mainly intended for domestic transactions. International acceptance may be limited due to RuPay’s global network.

No, the card is focused on digital convenience and rewards rather than premium travel perks like lounge access.