Pay using UPI

The FIRST Digital RuPay Credit Card is a new digital credit card issued against your existing IDFC FIRST Bank credit cards for enabling UPI transactions.

Currently, you can take FIRST Digital RuPay Credit Card against – FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private, FIRST SWYP, Ashwa, Mayura and Club Vistara Credit Cards.

FIRST Digital RuPay Credit Card is digital card only. No physical card will be issued.

Yes, there's a Joining fee of ₹199 + GST and an Annual fee (2nd year onwards) of ₹199 + GST.

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

Cashback will be credited within 60 days of card issuance. This offer is not applicable if the card is closed.

Yes, you'll earn reward points based on the Credit Card type and transaction amount. Some exceptions apply, such as fuel, cash and EMI transactions. Reward points can be redeemed only through the primary Credit Card.

Reward structure for FIRST Digital UPI Cards linked to FIRST Millennia, FIRST Classic, FIRST Select, FIRST Wealth, FIRST Family, FIRST Private, Ashva, Mayura and FIRST WOW! Credit Cards:

• • 3X rewards on UPI purchases greater than ₹2,000;
• • 1X rewards on all UPI purchases less than or equal to ₹2,000
• • 1X on Insurance & Utility spends irrespective of transaction amount
  _{1X = 1 reward point per X* spend | where X is ₹150
  1X Reward point = ₹ 0.25}

Reward structure for FIRST Digital UPI Cards linked to FIRST SWYP Credit Card:

• • 100 Reward points on UPI spends of ₹5,000 or more every statement.
  _{For all Credit Cards, please note.}

Reward structure for FIRST Digital UPI Cards linked to Club Vistara Credit Card:

• • 1 CV Point on every Rs. 200 UPI spends
  _{*UPI spends will be calculated for monthly and annual milestone calculations for Vistara Card.}
• • Reward program is not applicable on Fuel (MCC 5172, 5541, 5542, 5983), Cash (MCC 6010, 6011,7280) & EMI transactions.
• • UPI transactions will not be a part of 10X reward program and 10X threshold calculations for all cards(Except Vistara) and Monthly Milestone rewards for FIRST SWYP Credit Card.
• • Reward account for primary Credit Card and Digital Card will be same. Rewards redemption to be done from primary account only.

You can link your FIRST Digital RuPay Credit Card on all UPI apps such as:

BHIM, PhonePe, Paytm, GPay, Freecharge, slice, CRED, and MobiKwik

Complete your UPI app registration journey with your registered mobile number and follow 3 simple steps to enable your FIRST Digital RuPay Credit Card for payments.

1. Open UPI app and choose "Add RuPay credit card”
2. Select IDFC FIRST bank, and your eligible IDFC Credit Cards will be displayed
3. Select your card, enter last 6 digit of your card, card expiry and OTP to complete your registration

To know more, click here.

Update your new number on your FIRST Digital RuPay Credit Card profile. Once updated, you can re-link your card on UPI apps.

No, you need to generate a new UPI PIN to perform UPI payments.

To know, how to generate your UPI PIN click here

Yes, you can modify your UPI pin through the 'Change UPI Pin' option in your UPI apps.

To know, how to generate your UPI PIN click here

For first 24 hrs of your FIRST Digital RuPay Credit Card post UPI PIN generation, you can do transaction up to ₹5,000.

Post that, your daily limit will be as per your credit card.

Follow below steps to pay using your FIRST Digital RuPay Credit Card –

1. Open UPI app and click Scan the merchant QR
2. Enter the amount to be paid to the merchant
3. Select the FIRST Digital RuPay Credit Card from the dropdown under ‘choose account to pay with’
4. Click on ‘Pay’ and authenticate with your UPI PIN
5. Payment confirmation will be displayed.

You can make payments to millions of merchants registered on UPI using a QR code. NPCI teams are working to expanding the eligible merchants for UPI.

Yes, when shopping online, choose a UPI application like Gpay, PhonePe, or Paytm as your payment method. Log into your UPI app, select FIRST Digital RuPay Credit Card, authenticate with your UPI Pin, and complete the purchase.

No, only merchant payments as authorised by NPCI are permitted using the FIRST Digital RuPay Credit Card.

Yes, the restricted categories include digital account openings, lending platforms, cash withdrawals at merchants or ATMs, e-RUPI, IPOs, Foreign Inward Remittances, Mutual Funds, and any others specified by the National Payment Corporation Of India (NPCI).

For more details on RuPay Credit card on UPI refer NPCI website

https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi

No, you cannot set your credit card as the default for receiving funds.

The credit limit remains the same for both your existing card and the FIRST Digital RuPay Credit Card and is shared between the two.

Benefits and privileges apply only to your existing credit card and not to First Digital RuPay Credit Card UPI transactions.

Payments are combined and reflected in the primary credit card statement. You can pay through the IDFC FIRST Bank app, net banking, NEFT, cheque, or the auto-debit facility.

Yes, you can use your linked savings account on the UPI app to pay your credit card bill.

Yes, you can make payments at offline merchants with UPI-enabled POS machines.

Yes, every UPI transaction on your FIRST Digital RuPay Credit Card will trigger an SMS alert to your registered number. For more details on RuPay Credit card on UPI refer NPCI website

https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi

In case of UPI merchant related issue, customer can report the case for resolution to NPCI by on their official website and provide details under “UPI Complaint” section.

NPCI link to raise complaint -

https://www.npci.org.in/what-we-do/upi/dispute-redressal-mechanism

No, only merchant payments as authorised by NPCI are permitted using the FIRST Digital RuPay Credit Card.

This is done to ensure that people don’t revolve credit by transferring money to bank accounts of friends and relatives. Any payment being made to an UPI ID or QR code that belongs to an individual and not to a merchant will fail or get denied. So, for instance if an auto driver offers his personal and not business UPI QR code for payment, then you can’t pay for your ride using the credit card

If you have a VISA/Mastercard, you can activate a companion RuPay credit card to make UPI payments. IDFC FIRST Bank offers a digital card linked to your Primary credit card within the overall Credit limit assigned to the IDFC FIRST primary credit card that you have.

UPI payment is now available to IDFC FIRST Bank Credit Card users –not every merchant has a point-of-sale machine, whereas now even a roadside snacks stall has a UPI QR code. All such payments that a credit card holder had to compulsorily make from their bank’s saving accounts can now be done via IDFC FIRST credit cards