Benefits of the FIRST Digital RuPay Credit Card for UPI spends

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.

How RuPay enables UPI + credit card integration
 

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:

1. You can now link your credit card to UPI instead of relying on your bank balance
2. The UPI flow stays the same, but now you also get credit perks, like reward points, cashback, and an interest-free period
3. It makes everyday digital payments smarter and more convenient as you now get more control and visibility

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.

What is the FIRST Digital RuPay Credit Card?
 

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:

1. It’s issued against your existing IDFC FIRST Bank Credit Card, sharing a common card account. This means you don’t need to manage separate credit card bills
   
   
2. There’s no physical card. It exists entirely within the app, so you don’t need to carry a separate card in your wallet
   
   
3. Earn 3X rewards on UPI spends above ₹2,000, 1X rewards on UPI spends below ₹2,000, and 1X rewards on all utility and insurance payments. All the rewards you earn are linked to a single credit card account
   
   
4. It works across all major UPI apps, including GPay, PhonePe, Paytm, BHIM, and more
   
   
5. The card shares your main credit limit, which means you don’t need to juggle balances or manage two bills

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.

FIRST Digital RuPay Add-on Credit Card : Smart benefits for UPI spending
 

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:

1. Saves your savings
 

Everyday expenses move to credit, keeping your bank balance intact and available for emergencies.

2. Earns while you spend
 

Get reward points on eligible online payments and UPI merchant transactions—something you miss with bank-linked UPI.

3. One view for all spends
 

All add-on transactions appear on your main card statement, making monthly tracking easier.

4. Built-in control
 

The add-on shares your credit limit. No separate balances to monitor—just one limit, managed by you.

5. No PIN sharing needed
 

Everyone gets their own UPI login with the add-on card. No need to share access or compromise security.

6. Cleaner budgeting
 

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.

How to apply for the FIRST Digital RuPay Credit Card
 

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.

·  Step 1:

Tap ‘Activate UPI”in the credit cards section of the mobile app or website.

·  Step 2:

Verify your identity using the OTP sent to your registered mobile number.

·  Step 3:

Fill out the digital consent form and confirm UPI activation.

·  Step 4:

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.

How to link your FIRST Digital RuPay Credit Card to UPI
 

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:

· Step 1:

Open the IDFC FIRST Bank app or netbanking portal and view your card details—specifically the last six digits and expiry date.

· Step 2:

In your preferred UPI app, choose “Add RuPay credit card” from the payment options.

· Step 3:

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.

Conclusion
 

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.