IDFC FIRST Bank FIRST Digital RuPay Credit Card
IDFC FIRST Bank
Annual / renewal fee
₹199 (No annual fee if the FIRST Digital RuPay Credit Card is attached to the Gaj: Credit Card).
VerifiedMost Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Earn rate
Confirm on the official page
Official source not yet captured
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
FIRST Digital RuPay Credit Card by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹199 (No joining fee if the FIRST Digital RuPay Credit Card is attached to the Gaj: Credit Card).
VerifiedMost Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Annual / renewal fee
₹199 (No annual fee if the FIRST Digital RuPay Credit Card is attached to the Gaj: Credit Card).
VerifiedMost Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
Not published in the official documents on file — see the official T&C link below.
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Milestone benefit
For FIRST Digital RuPay Credit Card linked to FIRST SWYP Credit Card: 100 Reward Points on every UPI spend of ₹5,000 in a statement month.
VerifiedFIRST Digital RuPay Credit Card product page30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Markup charges on foreign currency transactions and Dynamic & Static Currency Conversion transactions: As per Primary Credit Card.
VerifiedMost Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Charge
- As per MITC effective 18 June 2026: No joining/annual/add-on fee levied on the FIRST Digital RuPay Credit Card attached to the Gaj: Credit Card.
- Cash advance not applicable for FIRST Digital RuPay Credit Card.
- Late payment charges - As per Primary Credit Card.
- Over-limit charges - As per Primary Credit Card.
- Card replacement fee - NIL.
- No fee on replacement of digital form factor.
- Markup charges on foreign currency/DCC - As per Primary Credit Card.
- Finance charge (all other IDFC FIRST cards) - Monthly 0.71% to 3.85% (Annual 8.5% to 46.2%), overdue interest Monthly 3.99% (Annual 47.88%).
- Return of cheque/Auto-Debit SI/Payment Return - 2% of payment amount subject to minimum ₹500.
- Reward Redemption Fee - ₹99 per redemption transaction.
- Rent and Property Management Fee - 1% of transaction value subject to min ₹249 (domestic only).
- Fair usage on Utility Spends - 1% fee if Utility Spends exceed ₹20,000 in a statement cycle.
- Fuel Fee - 1% if Fuel Spends exceed ₹30,000.
- Passenger Railways Transaction Fee - 1% if exceed ₹25,000.
- Tolls and Bridges Transaction Fee - 1% if exceed ₹10,000.
- Education Payment Fee - 1% via third-party apps min ₹249.
- GST presently 18%.
VerifiedMost Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Fuel surcharge waiver
- 1% Fuel Surcharge Waiver on fuel transactions between ₹200 and ₹5,000.
- Maximum waiver per statement cycle: As per Primary Credit Card.
VerifiedMost Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Interest-free period
- Interest-free (grace) period shall not exceed 45 days and will vary depending on the date of the transaction and statement date.
- Not applicable if the previous month's statement balance has not been cleared in full on or before the due date.
VerifiedMost Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit Card30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the FIRST Digital RuPay Credit Card?
Officially traced: Rs. 199 (No annual fee if the FIRST Digital RuPay Credit Card is attached to the Gaj: Credit Card).
Most Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit CardWhat is the joining fee on the FIRST Digital RuPay Credit Card?
Officially traced: Rs. 199 (No joining fee if the FIRST Digital RuPay Credit Card is attached to the Gaj: Credit Card).
Most Important Terms & Conditions (MITC) - effective 18 June 2026, governs FIRST Digital RuPay Credit CardWhat are the transfer ratios for FIRST Digital RuPay Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the FIRST Digital RuPay Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.idfcfirst.bank.in/credit-card/rupay-credit-card.
VerifiedFIRST Digital RuPay Credit Card product page30 Jul 2026, 5:25 AM ISTIDFC FIRST Bank
Verified 2026-07-29 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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