Is the IDFC FIRST Digital RuPay Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Shopping card
- ₹235 fee a year (with GST)
- 0.13% on most spends; 0.38% only at partner merchants
- Pays in reward points
- online shopping only at UPI transactions above ₹2,000: 0.38% back
- spending abroad: 0% markup, most cards add 3.5%
- you spend less than ₹15,000 a month: below that the ₹235 fee costs more than the rewards
- most of your spending is fuel: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on UPI transactions above ₹2,000: the 0.38% rate applies only there, everything else earns 0.13%
Your spend a month, by kind
Terms on the normal rate: 1 RP per ₹200 (~0.13%) on UPI spends below ₹2,000 and on utility & insurance transactions (per ₹150 on FIRST Private, Ashva, Mayura, Diamond Reserve and FIRST Business primaries)
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 0.13% | No cap | The card's normal rate | - |
| Online shopping | 0.13% | No cap | Anywhere else in the category | - |
| Online shopping, only at listed merchants | 0.38% | No cap | Only at: UPI transactions above ₹2,000 (via BHIM, Google Pay, PhonePe, Paytm and other UPI apps)Terms: 3 RP per ₹200 (~0.4%) on UPI spends above ₹2,000; the denominator is ₹150 when the primary card is a FIRST Private, Ashva, Mayura, Diamond Reserve or FIRST Business; each point is worth ₹0.25 | - |
| Dining and food delivery | 0.13% | No cap | The card's normal rate | - |
| Groceries | 0.13% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 0.13% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.13% | No cap | The card's normal rate | - |
| Rent | 0.13% | No cap | The card's normal rate | - |
| Insurance premiums | 0.13% | No cap | The card's normal rate | - |
| School and college fees | 0.13% | No cap | The card's normal rate | - |
| Wallet top-ups | 0.13% | No cap | The card's normal rate | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | 0.13% | No cap | The card's normal rate | - |
| Everything else | 0.13% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
