As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
Activate your Credit Card within minutes and enjoy unlimited benefits
UPI + Credit = Convenience
We all love UPI. It’s fast, easy and flexible. Now, you get to pay via UPI through your credit card account. That’s all.
FIRST Digital RuPay Credit Card, instantly issued for UPI
This digital card is linked to your existing credit limit
Digital only card - go plastic free!
(no physical card will be issued)
Scan at 60Mn+ merchant QR codes
UPI now becomes rewarding
Earn 3X rewards* on UPI spends above ₹2,000
Earn 1X reward * on UPI spends below ₹2,000
Convert UPI spends to easy EMI
*Insurance and utility bill payments will earn 1X reward points
*The rewards structure for all other transactions on your existing IDFC FIRST Bank Credit Card will remain same
#For FIRST Digital UPI Cards linked to FIRST SWYP Credit Card, 100 Reward Points on UPI spends of ₹5,000 or more every statement month.
Get started with your FIRST Digital Rupay Credit Card
Introductory offer – 100% cashback of ₹200, i.e. up to ₹50 each, on first 4 UPI transactions*Know more
*Limited Period Introductory offer -100% cashback of ₹200, i.e. up to ₹50 each, on first 4 UPI transactions
First 4 UPI transactions to be 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.
Have questions? Here are the answers!
What is a FIRST Digital RuPay Credit Card?
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.
Against which all IDFC FIRST Bank Credit Cards I can take FIRST Digital RuPay Credit Card?
Currently, you can take FIRST Digital RuPay Credit Card against – FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private and FIRST SWYP credit cards.
Will I get a new physical card?
FIRST Digital RuPay Credit Card is digital card only. No physical card will be issued.
Is there any Joining/Annual fee for FIRST Digital RuPay Credit Card?
Yes, there's a Joining fee of ₹199 + GST and an Annual fee (2nd year onwards) of ₹199 + GST.
Does my digital credit card come with a welcome offer?
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.
Do I earn reward points for UPI transactions with my card?
Yes, you'll earn reward points based on the 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 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
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:
1X = 1 reward point per X* spend | where X is ₹150 for FIRST Classic, FIRST WOW! and FIRST Millennia; ₹125 for FIRST Select, FIRST Family; ₹100 for FIRST Wealth and FIRST Private
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 and Monthly Milestone rewards for FIRST SWYP credit card
1X Reward point = ₹ 0.25
Reward account for primary credit card and digital card will be same. Rewards redemption to be done from primary account only
On which all UPI app I can register my FIRST Digital RuPay Credit Card?
You can link your FIRST Digital RuPay Credit Card on all UPI apps such as:
BHIM, PhonePe, PayTm, Gpay, Freecharge, Slice, Cred, and Mobikwik.
How can I link my FIRST Digital RuPay Credit Card on UPI?
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.
Open UPI app and choose "Add RuPay credit card”
Select IDFC FIRST bank, and your eligible IDFC Credit Cards will be displayed
Select your card, enter last 6 digit of your card, card expiry and OTP to complete your registration
I changed my mobile number. How can I link my card on the UPI app?
Update your new number on your FIRST Digital RuPay Credit Card profile. Once updated, you can re-link your card on UPI apps.
Is my credit card PIN and UPI PIN same?
No, you need to generate a new UPI PIN to perform UPI payments.
To know, how to generate your UPI PIN click here
Can I change my UPI Pin?
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
Is there any limit on UPI transactions?
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.
How to make payments using my FIRST Digital RuPay Credit Card?
Follow below steps to pay using your FIRST Digital RuPay Credit Card –
Open UPI app and click Scan the merchant QR
Enter the amount to be paid to the merchant
Select the FIRST Digital RuPay Credit Card from the dropdown under ‘choose account to pay with’
Click on ‘Pay’ and authenticate with your UPI PIN
Payment confirmation will be displayed.
Can I use my FIRST Digital RuPay Credit Card with any merchant?
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.
Can I make online purchases using my FIRST Digital RuPay Credit Card?
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.
Can I send UPI payments to individuals or other credit cards using my FIRST Digital RuPay Credit Card?
No, only merchant payments as authorised by NPCI are permitted using the FIRST Digital RuPay Credit Card.
Are there certain merchants where I can't use my credit card on UPI?
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
Can I set my linked credit card as the default account to receive funds?
No, you cannot set your credit card as the default for receiving funds.
What is the credit limit for my FIRST Digital RuPay Credit Card?
The credit limit remains the same for both your existing card and the FIRST Digital RuPay Credit Card and is shared between the two.
Do benefits and privileges from my existing card apply to my digital card?
Benefits and privileges apply only to your existing credit card and not to First Digital RuPay Credit Card UPI transactions.
How do I pay my FIRST Digital RuPay Credit Card bill?
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.
Can I pay my credit card bill via UPI?
Yes, you can use your linked savings account on the UPI app to pay your credit card bill.
Can I use my digital card at offline merchants?
Yes, you can make payments at offline merchants with UPI-enabled POS machines.
Do I get alerts for FIRST Digital RuPay Credit Card transactions?
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
I am receiving Error message while making the payment using FIRST Digital RuPay Credit Card? What should I do?
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.
Can I send UPI payments to individuals or other credit cards using my FIRST Digital RuPay Credit Card?
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
Can I activate UPI on my VISA & Mastercard?
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.
Can I make UPI payments through my Credit Card as well?
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
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