IDFC FIRST Bank Quantum+ 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 cashback

First-year fee

₹0

zero

Annual fee

₹0

zero

What it gives back

1% Cashback on UPI spends done via IDFC FIRST Bank App; 1% Cashback on in-store purchases.

Read from 8 IDFC FIRST Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

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

Fees

Rewards

Reward rate
1% Cashback on UPI spends done via IDFC FIRST Bank App; 1% Cashback on in-store purchases.
Online earning
1% Cashback on online spends up to ₹10,000 in a statement cycle; 2% Cashback on incremental online spends above ₹10,000 in a statement cycle
Travel earning
Hotel and flight bookings: up to 2% (1% base plus 1% bonus) within the ₹10,000 online spends milestone, and up to 3% (2% base plus 1% bonus) above the ₹10,000 online spends milestone
Utilities earning
0.5% Cashback on select categories (Utility, Rent, Jewellery, Wallet, Insurance, and Govt. Services)
Reward exclusions
ATM cash withdrawals, EMI transactions, and UPI spends done through other third-party UPI apps are excluded from cashback benefits
Reward caps
Total cashback is capped at ₹500 per statement cycle across all categories combined.
Cashback redemption
Cashback will be credited to your credit card account one day after the Payment Due Date (PDD+1), provided at least Minimum Amount Due (MAD) has been paid on or before the Payment Due Date
Point expiry
Your cashback does not expire.

Card benefits

Hotel or travel programme
Book hotels and flights via the IDFC FIRST Bank Mobile App and earn 1% bonus cashback.
Minimum spend rules
Online spends on select categories and EMI transactions do not count towards the ₹10,000 online spends milestone.

Also included

Charges

Forex markup
0%
Cash advance fee
Withdraw cash interest-free for up to 45 days at a nominal fee of ₹199 + GST
Interest on unpaid balance
Monthly Rate 0.71% - 3.85% (Annual Rate 8.5% - 46.2%)
Interest-free period
Up to 45 days of free credit
Late payment fee
Late payment charges: 15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)

Eligibility

Income requirement
You do not need any credit history or income proof; Fixed Deposit (FD) of at least ₹5,000 with IDFC FIRST Bank.
Minimum age
Between 18 and 80 years of age.

How we know - 8 documents from IDFC FIRST Bank, checked 19 Oct 2026

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

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₹0 for life

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