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Premium Decision Grade Catalog
IDFC FIRST BANK LTD
IDFC FIRST Digital RuPay Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Digital-only RuPay credit card issued as an add-on to existing IDFC FIRST credit cards for enabling UPI transactions
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Add-on metal variant for existing IDFC FIRST cards
Highlight 2
Enables UPI payments using credit card
Highlight 3
Premium metal variant
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹199
The front-loaded charge when you apply.
Annual fee
₹199
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹199100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"8/year"
Hotel Privileges
"2 complimentary airport lounge access per quarter"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹12L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"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."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- From Mar-Aug 2025: 3,000 bonus points on spend of ₹2L, additional 7,000 bonus points on spend of ₹4L
- Base Rate: 4 reward points per ₹150 on retail spends (except fuel)
- 1 reward point per ₹150 on government and insurance spends
- Accelerated Rewards Program: 5X reward points on SmartBuy portal
Cons
- Welcome Offer: 1 Free Night Award and 10 Elite Night Credits on first eligible spend transaction or fee levy
- RP to Rupees: 1pt=₹1.5
- Domestic Airport: 8/year
- Movie/Entertainment: 1+1 PVR tickets
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