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Overview

Enjoy seamless UPI payments across 60 million+ merchants and uninterrupted shopping with the IDFC FIRST Bank RuPay Credit Cards. Enjoy a range of benefits along with attractive rewards on every spend. Powered by a secured payment channel of indigenously developed RuPay, our credit cards offer unmatched flexibility to integrate with any UPI app instantly, pay for your expenses, and earn never-expiring rewards.
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IDFC FIRST Bank RuPay credit cards come in different variants, and you can choose from an extensive range offering shopping, rewards, travel, and lifestyle benefits. Explore IDFC FIRST Bank RuPay Credit Cards and apply for one that suits you best. Read less

Types of RuPay Credit Cards

Types of RuPay
Credit Cards

Power+ HPCL

Power HPCL

Digital Card

FIRST EA₹N

FIRST Power+ HPCL Credit Card

FIRST Power+ HPCL Credit Card

Save up to ₹18,500 annually with this credit card, enough to buy you 175+ litres of fuel

3X Rewards on UPI spends

Welcome benefits worth ₹2,500

Annual fee waiver on spends of ₹150,000 or more Annual fee waiver on spends of ₹150,000 or more

Annual fee waiver on spends of ₹150,000 or more

Joining fee: ₹499

Apply now
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Features and Benefits of RuPay Credit Cards

IDFC FIRST Bank RuPay Credit Cards are crafted to offer you a blend convenience on UPI, rewards, and financial freedom.

Convenience of UPI

Link your credit card to UPI apps for quick, secure transactions by scanning QR codes.

UPI on CC is Rewarding

Get up to 3X reward points on every transaction, redeemable across various categories.

Easy EMIs

Convert large expenses into manageable EMIs, spreading the cost over time.

Low Interest Rates

Enjoy competitive interest rates, making borrowing more affordable.

Eligibility Criteria for RuPay Credit Cards

Applicant must be 18 years of age or above

Applicant must qualify as an Indian resident with permanent and current residential addresses in India.

Applicable only on FIRST EA₹N Credit Card: Applicant needs to hold a Fixed Deposit account in cumulative, re-invest, and auto-renew mode. ( Minimum ₹10,000 FD required for FIRST EA₹N Credit Card)

The final decision lies solely with the Bank, in line with its internal policies, and notwithstanding the applicant meeting above credit card criteria.

Steps to Link RuPay Credit Cards with UPI

Linking your RuPay Credit Card with UPI is a simple process. Log into your UPI app, select the 'Add Credit Card' option, enter your card details, and authenticate the transaction. Once linked, you can start enjoying the ease of UPI payments with the added benefits of credit card rewards.

Here’s what you will need to link your credit card to UPI

Go to the Credit cards section and select your RuPay Credit Card

Tap on ‘Click for card details’ on the card face to access your card details

Note the last 6 digits and expiry of your FIRST Digital RuPay Credit card

Download the IDFC FIRST Mobile Banking app (Google Play | App Store)

Please note: The mobile number registered on UPI should be same as the one linked to your IDFC FIRST Bank Credit Card.

Benefits of UPI Transactions on RuPay Credit Cards

Make the most of your sends with UPI on your RuPay Credit Card. Earn rewards on every transaction, enjoy cashback on select purchases, and take advantage of exclusive offers and discounts. With UPI, you get the ease of digital payments along with the security and benefits of a credit card.

Convenient payments

Enjoy the convenience of quick and easy transactions. Linking your credit card to UPI allows for instant payments without the need for entering card details each time.

Easy Bill Payments

Use UPI for hassle-free bill payments, including utilities and mobile recharges, directly from your RuPay credit card.

Earn rewards

Every transaction you make through UPI with your RuPay credit card earns you reward points along with reward earnings on regular credit card earning. Redeem these points for exciting offers, adding more value to your spending.

Credit card benefits

Benefit from the security and features of your credit card, such as purchase protection, interest free period, and easy EMI conversion, while enjoying the simplicity of UPI payments.

Make UPI Payments on credit

Get access to interest free credit period of up to 45 days with UPI transaction done on Rupay Credit Card.

Convert UPI purchases into EMI

Convert larger purchases into affordable EMI payments when you pay with a RuPay Credit Card from IDFC FIRST Bank.

Join the IDFC FIRST Bank family today and elevate your spending experience with our RuPay Credit Cards.
Rewarding, convenient, and secure – that's the promise we deliver to every cardholder. Apply now and unlock a world of possibilities.

Answering all your questions

All

What is a RuPay credit card?

A RuPay Credit Card is a product of the RuPay payment network developed by the National Payments Corporation of India (NPCI). It offers a secure and efficient payment solution for both domestic and international transactions. RuPay credit cards come with benefits such as easy integration with UPI apps, reward points, low-interest rates, and various offers on dining, travel, and shopping.

Is the RuPay credit card accepted internationally?

Yes, RuPay credit cards are accepted internationally. They can be used at merchants and ATMs in various countries through partnerships with international payment networks. This allows you to enjoy seamless transactions abroad.

What is the FIRST Digital RuPay credit card limit?

The credit limit on a FIRST Digital RuPay credit card is same as your primary IDFC FIRST Bank credit card and it is shared between the two. 

Is RuPay credit card eligible for EMI?

Yes, RuPay credit cards are eligible for converting purchases into EMIs. This feature allows you to manage large expenses by spreading the cost over a fixed period, making it easier to handle your finances.

Are there any fees for linking or conducting UPI transactions with a linked credit card?

There is no fee for linking your RuPay credit card to a UPI app.

Important Documents

Most Important Terms & Conditions

Most Important Terms & Conditions
Card Member Agreement

Card Member Agreement
Credit Card Basics

Credit Card
Basics

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