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.

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, or Club Vistara Credit Card.

The FIRST Digital RuPay Credit Card is a digital-only card. A physical card will not 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 ₹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 rewards programme and 10X threshold calculations for all cards (Except Vistara, Ashva and Mayura) 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. IDFC FIRST Bank, and your eligible IDFC FIRST Bank 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.

https://www.idfcfirstbank.com/credit-card/rupay-credit-card/steps-to-activate

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 hours 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 these 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 expand 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 PinPIN, and complete the purchase.

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

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 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 Bank 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 savings accounts can now be done via IDFC FIRST Bank credit cards.

The IDFC FIRST Bank Digital RuPay Credit Card stands out from other RuPay credit cards by being completely digital-first, meaning you can start using it instantly post-approval through UPI apps without waiting for a physical card. It supports seamless UPI payments via credit, contactless tap-to-pay, and online transactions while offering benefits like lifetime- free membership, cashback, and reward points even on UPI spends—features not commonly found in other RuPay credit cards.

A digital-first RuPay credit card works entirely through virtual means. Once your application for the IDFC FIRST Bank Digital RuPay Credit Card is approved, you receive the card details digitally. These details can be added to UPI apps for making credit-based payments using UPI. You can also use the card for online shopping and tap-to-pay at NFC-enabled terminals using a smartphone or smartwatch. This eliminates the need for physical card issuance unless specifically requested.

The IDFC FIRST Bank Digital RuPay Credit Card is accepted across all RuPay-enabled merchants in India. Whether you are paying online or at a physical store, you can use the card wherever RuPay cards are accepted. This includes a growing number of offline retail outlets, fuel stations, restaurants, and e-commerce platforms supporting RuPay infrastructure.

The transaction limit for RuPay credit cards like the IDFC FIRST Bank Digital RuPay Credit Card depends on your individual card limit, which is assigned based on creditworthiness. For UPI transactions using RuPay credit cards, NPCI allows up to ₹1 lakh per day per card, subject to issuer-specific limits and merchant category restrictions.

While RuPay is currently a domestic card network, select RuPay cards issued under the RuPay JCB or Discover partnerships can be used internationally. However, the IDFC FIRST Bank Digital RuPay Credit Card is primarily designed for domestic use and is best suited for transactions within India, especially for UPI and digital payments. International usage may not be supported unless explicitly enabled or offered under a co-branded variant.

RuPay credit cards, including the IDFC FIRST Bank Digital RuPay Credit Card, are extremely secure for digital transactions. They come with advanced security protocols such as two-factor authentication, encrypted tokenisation, OTP-based authorisations, and fraud monitoring systems. Since the card is digital-first, sensitive card details are never shared directly during payments, reducing the risk of misuse.

The daily UPI transaction limit for RuPay credit cards is ₹1,00,000, as per NPCI guidelines. However, IDFC FIRST Bank may set specific internal limits based on your credit profile. Additionally, some UPI apps may impose their own transaction limits for credit card usage via UPI. Always refer to your card’s terms and your app settings for the most accurate information.

The FIRST Digital RuPay Credit Card by IDFC FIRST Bank offers attractive cashback and reward benefits. the RuPay credit card provides up to 3X reward points on UPI credit spends—a unique feature among credit cards—enhancing the overall value.

A digital-only RuPay credit card exists in a completely virtual format. Upon approval, users receive their card details via secure channels without physical card delivery. These cards are designed for use on mobile wallets, UPI apps, and online platforms. The IDFC FIRST Bank Digital RuPay Credit Card is a prime example, offering full functionality across UPI, POS, and contactless ecosystems without requiring a physical card.

Yes, tokenisation is required for digital RuPay cards to enhance transaction security. When you add your IDFC FIRST Bank Digital RuPay Credit Card to a digital payment app or wallet, the actual card number is replaced with a unique token. This token is used during transactions, preventing exposure of actual card details and safeguarding against fraud or misuse.

To increase your transaction or credit limit on the IDFC FIRST Bank Digital RuPay Credit Card, you may follow these steps:

1. Visit IDFC FIRST Bank’s net banking or mobile app.
2. Navigate to ‘Credit Cards’ and check the ‘Limit Increase’ section.
3. If eligible, submit a limit enhancement request or upload income proof.
4. Alternatively, contact customer care or visit the nearest branch.

The approval is subject to the bank’s credit assessment policies.

Yes, RuPay cards—including the IDFC FIRST Bank Digital RuPay Credit Card—can be used for contactless tap-to-pay payments. If the card is added to a compatible digital wallet or NFC-enabled device (like Google Pay or Samsung Pay), you can simply tap your phone on any NFC-enabled POS terminal to complete the transaction securely and swiftly.

The IDFC FIRST Bank Digital RuPay Credit Card is better for UPI payments due to its seamless integration with UPI platforms and rewards on UPI transactions—benefits rarely available together. It eliminates the need for separate wallets, allowing you to pay directly via UPI while earning rewards and managing spends through a credit line.

Yes, one of the unique features of the IDFC FIRST Bank Digital RuPay Credit Card is that it offers up to 3X reward points and attractive cashback deals even on UPI transactions—a benefit not commonly provided by most credit cards. This makes daily UPI payments more rewarding, whether you are paying for groceries, food delivery, or utility bills.

Yes, digital RuPay cards are highly secure for online shopping. They come with features like tokeniszation, OTP-based authentication, and real-time transaction alerts. Additionally, since the IDFC FIRST Bank Digital RuPay Credit Card does not require physical presence, the risk of card theft or cloning is minimised during online transactions.

Yes, you can earn rewards on offline POS transactions using your IDFC FIRST Bank Digital RuPay Credit Card. Once the card is linked to a mobile wallet or used via contactless methods, all eligible retail transactions at physical stores are rewarded according to the card’s reward structure, just like any traditional credit card.

As of now, the IDFC FIRST Bank Digital RuPay Credit Card is primarily intended for domestic transactions within India. However, it RuPay is expanding internationally with tie-ups with global payment channels like Discover Financial Services and more, so it may work on international websites if the merchant supports RuPay or the card is co-branded with an international partner.

Yes, IDFC FIRST Bank offers the option to convert eligible large UPI credit transactions of amounts above ₹2,500 into easy EMIs. You can initiate this through the IDFC FIRST Bank mobile app or net banking platform shortly after the transaction is completed. This feature is ideal for managing high-value purchases made via UPI without impacting your monthly budget.

AutoPay can be used for subscriptions. It allows users to set up recurring payments for various services like OTT subscriptions, utility bills, and more through the UPI system. UPI AutoPay is a convenient way to ensure subscriptions are paid automatically on time.

To share a payment link using your RuPay credit card via UPI:

1. Open your UPI app linked with the IDFC FIRST Bank Digital RuPay Credit Card.

2. Go to the ‘Request Money’ or ‘Collect via Credit Card’ option.

3. Enter the payer’s UPI ID or mobile number and the amount.

4. Generate and share the payment link with the recipient.

Upon payment, the amount is credited to your UPI-linked account and charged to your credit card balance.

No, the IDFC FIRST Bank Digital RuPay Credit Card is a digital-only card and cannot be issued as a physical card.