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IDFC FIRST Bank Quantum+ Credit Card

IDFC FIRST Bank

Quantum+ Credit Card — card image from the issuer's official page

Annual / renewal fee

₹0 (Nil) annual/yearly fee - lifetime free.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Earn rate

  • 2% Cashback on online spends above ₹10,000 in a statement cycle.
  • 1% Cashback on online spends up to ₹10,000 in a statement cycle.
  • 1% Cashback on UPI Scan & Pay done through IDFC FIRST Bank Mobile App.
  • 1% Cashback on in-store purchases.
  • 0.5% Cashback on select categories (utility bills, wallet loads, insurance, jewellery, government services and rent).
  • Bonus 1% Cashback on hotel & flight bookings done via IDFC FIRST Bank App.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-17
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Quantum+ Credit Card by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹0 (Nil) joining/commencement fee.

VerifiedMost Important Terms & Conditions (MITC) – IDFC FIRST Bank Credit Cards (covers Quantum+ Credit Card)18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Annual / renewal fee

₹0 (Nil) annual/yearly fee - lifetime free.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Fee waiver

Cash withdrawal interest-free for up to 45 days at a nominal fee of ₹199 + GST.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Rewards

  • 2% Cashback on online spends above ₹10,000 in a statement cycle.
  • 1% Cashback on online spends up to ₹10,000 in a statement cycle.
  • 1% Cashback on UPI Scan & Pay done through IDFC FIRST Bank Mobile App.
  • 1% Cashback on in-store purchases.
  • 0.5% Cashback on select categories (utility bills, wallet loads, insurance, jewellery, government services and rent).
  • Bonus 1% Cashback on hotel & flight bookings done via IDFC FIRST Bank App.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM IST

Redemption value

  • Cashback is 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.
  • Cashback does not expire.
  • However cashback will be forfeited for a statement cycle if the MAD is not paid by the PDD.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Reward cap

  • Total cashback capped at ₹500 per statement cycle across all categories combined.
  • Cashback earned only for spends up to the credit limit per statement cycle.
  • Additional spends beyond this (including transactions enabled through repayments and subsequent re-utilisation within the same statement cycle) are not eligible.
  • Cashback is posted only when the Minimum Amount Due (MAD) has been paid on or before the Payment Due Date (PDD).

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Reward exclusion

EMIATM cash withdrawalsand UPI spends made through third-party UPI payment apps. Select categories (utility billswallet loadsinsurancejewellerygovernment services and rent) earn only 0.5% cashback and do not count towards the ₹10000 online spends milestone. Online spends on select categories and EMI transactions do not count towards the ₹10000 online spends milestone. Cashback on cancelledreversed or returned purchases is reversed

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Travel benefit

Book hotels and flights via the IDFC FIRST Bank Mobile App and earn 1% bonus cashback.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Insurance

  • Personal accident cover worth ₹2,00,000.
  • Lost/stolen card fraud protection up to ₹25,000.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Milestone benefit

  • Bonus 1% Cashback on hotel & flight bookings done via IDFC FIRST Bank App (threshold not stated on official source; base rate applies based on the ₹10,000 online spends milestone).
  • Total cashback capped at ₹500 per statement cycle across all categories combined.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Eligibility

Eligibility

  • FD-backed secured card starting at just ₹10,000 FD.
  • Credit limit equals 100% of FD value.
  • No income proof or credit history required.
  • Suitable for students, homemakers, freelancers, retired employees, or young professionals.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Charges & interest

Forex markup

Markup Charges on Foreign currency transactions and Dynamic & Static Currency Conversion Transactions: 3.50% (Quantum+ Credit Card falls under 'For all cards except below', which is 3.50%).

VerifiedMost Important Terms & Conditions (MITC) – IDFC FIRST Bank Credit Cards (covers Quantum+ Credit Card)18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Charge

  • Finance charges (interest) on Quantum+ Credit Card: Monthly Rate 0.71% to 3.85% (Annual 8.5% to 46.2%).
  • Overdue interest Monthly 3.99% (Annual 47.88%), revised to 46.2% when minimum amount due is paid.
  • Cash advance transaction fee: ₹199.
  • Late payment charges: 15% of Total Amount Due of previous statement minus payments received before due date (minimum ₹100, maximum ₹1,300).
  • Over-limit charges: Nil (over-limit facility not available for Quantum+ Credit Card).
  • Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount subject to a minimum of ₹500.
  • Reward Redemption Fee: ₹99 per redemption transaction.
  • Card replacement fee: ₹199.
  • Rent & Property Management Fee: 1% of transaction value, minimum ₹249 per transaction (domestic only).
  • Fair usage on Utility Spends: 1% fee if total utility spends in a statement cycle exceed ₹20,000.
  • Fuel Fee: 1% if total fuel spends exceed ₹30,000 per statement cycle.
  • Passenger Railways Transaction Fee: 1% if total passenger railway spends exceed ₹25,000 per statement cycle.
  • Tolls and Bridges Transaction Fee: 1% if total tolls and bridges spends exceed ₹10,000 per statement cycle.
  • Education Payment Fee: 1% on education spends via third-party apps, minimum ₹249 per transaction.
  • GST: presently 18% on all fees, interest and other charges.

VerifiedMost Important Terms & Conditions (MITC) – IDFC FIRST Bank Credit Cards (covers Quantum+ Credit Card)18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Fuel surcharge waiver

Fuel Surcharge Waiver not applicable on Quantum+ Credit Card (maximum amount of fuel surcharge waiver per statement cycle: Not Applicable).

VerifiedMost Important Terms & Conditions (MITC) – IDFC FIRST Bank Credit Cards (covers Quantum+ Credit Card)18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Interest-free period

  • Interest-free (grace) period shall not exceed 45 days and varies 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) – IDFC FIRST Bank Credit Cards (covers Quantum+ Credit Card)18 Aug 2026, 12:15 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 Quantum+ Credit Card?

Officially traced: Rs. 0 (Nil) annual/yearly fee - lifetime free.

Quantum+ Credit Card product page

What is the joining fee on the Quantum+ Credit Card?

Officially traced: Rs. 0 (Nil) joining/commencement fee.

Most Important Terms & Conditions (MITC) – IDFC FIRST Bank Credit Cards (covers Quantum+ Credit Card)

Is the Quantum+ Credit Card annual fee ever waived?

Cash withdrawal interest-free for up to 45 days at a nominal fee of Rs. 199 + GST.

Quantum+ Credit Card product page

What are the transfer ratios for Quantum+ 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 Quantum+ 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 issuer pageMost Important Terms & Conditions (MITC) – IDFC FIRST Bank Credit Cards (covers Quantum+ Credit Card)

Official terms

https://www.idfcfirst.bank.in/credit-card/quantum-plus-credit-card.

VerifiedQuantum+ Credit Card product page18 Aug 2026, 12:15 AM ISTIDFC FIRST Bank

Verified 2026-08-17 · 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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