FIRST Digital RuPay Credit Card
The FIRST Digital RuPay Credit Card is a virtual floater card designed for existing IDFC FIRST cardholders. It links directly to the primary card’s credit line, enabling merchant QR code scan-and-pay transactions on PhonePe, Google Pay, and Paytm while earning never-expiring reward points.
Why We Recommend The FIRST Digital RuPay Credit Card
An efficient virtual UPI add-on that lets existing cardholders link their IDFC credit limit to UPI apps with modest fee requirements.
Existing IDFC cardholders wanting a dedicated virtual RuPay card for daily QR scan-and-pay UPI transactions.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the FIRST Digital RuPay Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 (up to ₹0.50 on travel portal bookings) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for FIRST Digital RuPay Credit Card
Zero hidden costs. Complete fee schedule verified with IDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the FIRST Digital RuPay Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes FIRST Digital RuPay Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Virtual floater card linked directly to your primary IDFC FIRST credit card limit.
Connects instantly to Google Pay, PhonePe, Paytm, and BHIM for QR code scanning.
All spends count toward primary card milestone thresholds and fee waiver benefits.
Pros & Cons of the FIRST Digital RuPay Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Instant digital onboarding directly inside the IDFC FIRST mobile app.
- Low annual fee easily waived with modest daily UPI usage.
- Earns reward points on routine neighborhood grocery and vendor payments.
Things to Consider (Cons)
- Purely virtual card (no physical plastic issued).
- Zero airport lounge access.
- P2P (peer-to-peer) transfers do not earn rewards.
Who Can Apply for the FIRST Digital RuPay Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from IDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About FIRST Digital RuPay Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the FIRST Digital RuPay Credit Card?
Check your pre-approved credit limit and instant approval eligibility across IDFC Bank with 100% paperless verification and zero score impact.