IDFC First Bank
IDFC FIRST Digital RuPay Credit Card
Data last verified: 11 October 2026
- Joining fee₹199 + GST
- Annual fee₹199 + GST
- Reward rate0.13% on most spends; 0.38% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹199 + GST
- Annual fee₹199 + GST
- Forex markup0%
01IDFC FIRST Digital RuPay Credit Card Rewards and Benefits
02IDFC FIRST Digital RuPay Credit Card Annual Fee and Charges
- Joining fee
- ₹199 + GST
- Annual fee
- ₹199 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 0%
- Interest rate
- Not published
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.13%₹26
- Back each month, ₹312 a year₹26
- Annual fee with 18% GST−₹235
- In your pocket each year₹77
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at UPI transactions above ₹2,000: 0.38% back
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- 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%
04How IDFC FIRST Digital RuPay Credit Card earns Rewards
0.13% on most spends; 0.38% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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)
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05IDFC FIRST Digital RuPay Credit Card Travel Benefits
Spending abroad carries a 0% forex markup; rewards on it: 0.13% back (the normal rate). See what it costs on your trip
06IDFC FIRST Digital RuPay Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. Existing IDFC FIRST Bank credit card PAN card Aadhaar / valid address proof
07Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 9 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 18 Jan 2026 | Reduced: Earn re-pegged: 1 point per ₹200 for the lifetime-free familySource: IDFC First Bank | 1 reward point per ₹150 for all eligible primaries | 1 point per ₹200 when attached to Millennia/Classic/Select/Wealth/Family/WOW!/WOW! Black/Business Multiplier; ₹150 retained for Private/Ashva/Mayura/Diamond Reserve/FIRST Business |
| 7 Dec 2023 | Changed: IDFC FIRST Digital RuPay launchedSource: IDFC First Bank | - | - |
See this card's change history → · All card changes in September 2026 →
08Cards Similar to IDFC FIRST Digital RuPay Credit Card
IDFC FIRST Digital RuPay Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST Digital RuPay Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹199 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹199 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 0.13% on most spends; 0.38% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 0% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IDFC FIRST Digital RuPay Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the IDFC FIRST Digital RuPay Credit Card?
The joining fee is ₹199 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST Digital RuPay Credit Card?
The annual fee is ₹199 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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