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See more detailsCustomer care hotline Call 1800 10 888
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.
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How do I upload my signature?
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
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That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
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You use UPI for nearly everything, from groceries and fuel to deliveries and tuition fees. But those payments come straight from your savings. There’s no credit cushion, no reward points, and no way to track how much the family’s spent until it’s too late.
That’s where the FIRST Digital RuPay Credit Card steps in.
Using the FIRST Digital RuPay Credit Card, you can link a secure digital add-on card to your existing credit card and pay just like you always do—except now with control, visibility, and rewards built in. It’s a smarter way to manage UPI payments, especially when multiple people in the household are spending.
UPI has become second nature for making payments in India. But for years, it only worked with bank accounts. Meaning? Every scan or tap came straight from your savings. You couldn’t use a credit card, even if you wanted the flexibility or rewards that came with it.
RuPay changed that by enabling UPI-credit card linking. Here’s what that unlocked:
UPI hasn’t changed. However, what you can connect it to has—and with a RuPay credit card that supports UPI, your daily spending becomes more powerful.
Now that UPI works with credit cards, which one lets you use it? Enter the FIRST Digital RuPay Credit Card—a fully digital solution that makes UPI spending smarter. Here’s what you need to know:
If you’ve ever wanted to switch from savings to credit for everyday UPI use, this is your chance. A RuPay credit card with UPI linkage offers flexibility without adding financial clutter and provides structure to how families spend digitally.
If you already use UPI daily, adding a RuPay credit card with UPI might not feel urgent—until you see how much structure it brings. As an add-on, it doesn’t replace your existing setup. It simply makes UPI spending safer, clearer, and easier to manage for everyone at home, including you.
Here’s what makes it a smarter choice for families using an add-on:
Everyday expenses move to credit, keeping your bank balance intact and available for emergencies.
Get reward points on eligible online payments and UPI merchant transactions—something you miss with bank-linked UPI.
All add-on transactions appear on your main card statement, making monthly tracking easier.
The add-on shares your credit limit. No separate balances to monitor—just one limit, managed by you.
Everyone gets their own UPI login with the add-on card. No need to share access or compromise security.
Separate recurring household expenses from one-off personal expenses. Makes budgeting simpler and smarter.
Most people think of UPI as a solo tool. However, with a RuPay credit card that has UPI linkage, it becomes a shared system that brings structure, safety, and genuine financial clarity.
If you're already a credit card customer with IDFC FIRST Bank, activating the RuPay credit card with UPI is quick and entirely digital. This add-on card is generated instantly and can be used for UPI transactions across your favourite apps.
Tap ‘Activate UPI”in the credit cards section of the mobile app or website.
Verify your identity using the OTP sent to your registered mobile number.
Fill out the digital consent form and confirm UPI activation.
Review the details and submit the application—no paperwork or physical processing required.
Your FIRST Digital RuPay Credit Card is issued instantly and ready for UPI linkage.
The process is fast, secure, and designed for digital convenience, so you can start using your RuPay credit card with UPI within minutes.
Once your card is active, linking your RuPay credit card with UPI is simple and takes only a few steps. With the FIRST Digital RuPay Credit Card, you can click on this link and scan the QR code using any popular UPI app to link your card instantly.
Alternatively, you can follow the below steps for linking your FIRST Digital RuPay Credit Card to UPI apps:
Open the IDFC FIRST Bank app or netbanking portal and view your card details—specifically the last six digits and expiry date.
In your preferred UPI app, choose “Add RuPay credit card” from the payment options.
Select IDFC FIRST Bank. Your eligible credit card will be displayed.
· Step 4: Enter the last six digits, expiry date, and OTP to complete the linking process.
For the first 24 hours, your transaction limit is ₹5,000. After that, your full credit limit is available for UPI merchant payments made through your RuPay credit card with UPI.
The FIRST Digital RuPay Credit Card turns everyday UPI spending into a smarter experience, especially when used to manage family expenses. With better tracking, safer access, and rewards on merchant transactions, this RuPay credit card with UPI puts you in control without touching your savings.
If you already hold a credit card with IDFC FIRST Bank, you can activate this digital add-on in minutes. It’s fast, fully online, and ready to use across all major UPI apps, so you can make your next payment work harder for you.
Visit the IDFC FIRST Bank website to learn more and apply for the FIRST Digital RuPay Credit Card with UPI today.
Yes, you can disable UPI access for your FIRST Digital RuPay Credit Card through the IDFC FIRST Bank app or your UPI app settings.
Only if you miss payments. Since UPI spends made using the FIRST Digital RuPay Credit Card are billed like any other credit card transaction, they follow your main billing cycle.
No, UPI transactions using this card are only supported within India and are limited to merchant payments approved by NPCI. International usage is not currently supported on UPI platforms.
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.