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COFFERCards. Points. Value.
IDFC FIRST Bank

IDFC FIRST Bank FIRST Digital RuPay Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹199 + GST

Annual fee

₹199 + GST

What it gives back

3X Rewards on UPI spends above ₹2000; 1X Rewards on UPI spends less than or equal to ₹2000.

Read from 6 IDFC FIRST Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹199 annual fee: of the 273 other open cards whose annual fee we have read, 85 state a lower one, 2 state the same and 186 state a higher one.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

  • Annual feeJoining fee

    ₹199 + GST

  • Fee waiver rule

    Joining and Annual fee is not applicable for FIRST Digital RuPay Credit Card issued with FIRST WOW! Black, Gaj: and Business Multiplier Credit Card

Welcome offer

  • Welcome benefit

    100% cashback of ₹200, i.e. up to ₹50 each, on first 4 UPI transactions done within 15 days of card issuance

Rewards

  • Reward rate

    3X Rewards on UPI spends above ₹2000; 1X Rewards on UPI spends less than or equal to ₹2000.

  • Insurance spend earning

    1X Reward on Insurance spends.

  • Utilities earning

    1X Reward on all utility, insurance, FASTag recharge and railway spends.

  • Reward exclusions

    Reward program is not applicable on Fuel, Cash & EMI transactions

  • Catalogue redemption

    1 Reward point = ₹0.25.

Card benefits

  • Minimum spend rules

    Welcome offer is only applicable for FIRST Digital RuPay Credit Card issued with Joining fee; first 4 UPI spends of minimum ₹50 each within first 15 days of card creation

Also included

  • Add-on card eligibility

    You can currently get the add-on FIRST Digital RuPay Credit Card if you hold any of the following IDFC FIRST Bank Credit Cards: FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private, FIRST SWYP, Ashva, Mayura, FIRST Business, Diamond Reserve or Gaj: Credit Card.

  • Purchase to EMI conversion

    IDFC FIRST Bank offers the option to convert eligible large UPI credit transactions into easy EMIs.

Charges

  • Forex markup

    0% on foreign currency transactions.

  • Interest-free period

    48 days interest-free when you pay in full.

  • Cash payment / cash deposit fee

    Fee on cash payment at branches NIL.

  • Cheque payment / dishonour fee

    Outstation cheque processing fee NIL.

  • What the card's fee or benefit year means

    Annual Fee (2nd year onwards): ₹199 + GST

How we know - 6 documents from IDFC FIRST Bank, checked 19 Oct 2026

6 documents from IDFC FIRST Bank, checked 19 Oct 2026.

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₹199 a year

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