Discover the Benefits of Using Virtual Credit Cards with UPI​​

RuPay credit cards allow seamless UPI payments and when you have a virtual credit card, the benefits multiply. Here’s what you get.

Wider reach

With virtual UPI-enabled cards, you can pay even at the smallest shops accepting UPIs but not credit cards with transactions starting from ₹10.

More Reward Points

Wider reach = increased transactions = more Reward Points.
Accumulate the points and redeem them against your bills to save more.

Benefits and privileges

Virtual cards with UPI also offer discounts, cashbacks, complimentary insurance cover, airport lounge access and other perks.

Credit history

With smart usage of the card and regular repayment of the outstanding dues, you can build a good credit history and improve your credit score.

EMI facility

Virtual cards allow you to convert big-ticket purchases or credit card bills valuing ₹2500 or more into EMIs for affordable repayments

Choose from a range of virtual RuPay cards with IDFC FIRST Bank and enjoy low APR, accelerated Reward Points, cashbacks, discounts and more.