IDFC FIRST Digital RuPay Credit Card

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IDFC FIRST Digital RuPay Credit Card Fees and Charges

The fees and charges associated with the IDFC FIRST Bank digital RuPay Credit Card are mentioned in the table below:

Type of Charge	Amount
Joining Fee	Rs.199 plus GST
Annual Fee	Rs.199 plus GST

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Process to Link IDFC FIRST Digital RuPay Credit Card on UPI

To activate your IDFC FIRST Digital RuPay Credit Card for payments, you need to complete the UPI app registration process using your registered mobile number through these steps:

Step 1: Launch the UPI app on your smartphone.

Step 2: Tap the 'Add RuPay credit card' option.

Step 3: Choose 'IDFC FIRST bank' to view the list of your eligible IDFC credit cards.

Step 4: Choose your card, enter the last 6 digits of your card, and the card expiry.

Step 5: Enter the OTP sent to your registered mobile number.

Looking for your first credit card? Apply here!

Process to Make UPI Payment with IDFC FIRST Digital RuPay Credit Card

To start making UPI transactions with your IDFC FIRST Digital RuPay Credit Card, follow the steps mentioned below:

Step 1: Open a UPI app of your choice.

Step 2: Scan the merchant's QR code.

Step 3: Enter the amount that you have to pay.

Step 4: Select the ‘FIRST Digital RuPay Credit Card’ option from the dropdown menu.

Step 5: Tap on the ‘Pay’ option and enter your UPI PIN.

Step 6: A payment confirmation will appear on the screen.

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FAQs on IDFC FIRST Digital RuPay Credit Card

• What is IDFC FIRST Digital RuPay Credit Card?

  In order to facilitate UPI transactions, a new digital credit card called the IDFC FIRST Digital RuPay Credit Card is issued against your current IDFC FIRST Bank credit cards.

• Are UPI transactions subject to any limits?

  You are allowed to make transactions up to Rs.5,000 during the first 24 hours after creating your UPI PIN on your IDFC FIRST Digital RuPay Credit Card.

• Will I get a new physical IDFC FIRST Digital RuPay Credit Card?

  No, the IDFC FIRST Digital RuPay Credit Card is exclusively available digitally.

• I changed my mobile number. How do I use the UPI app to link my card?

  In your IDFC FIRST Digital RuPay Credit Card profile, update your new mobile number. You can re-link your card on UPI apps after it has been updated.

• Can I use my IDFC FIRST Digital RuPay Credit Card to make purchases online?

  Yes, you need to use a UPI application like Gpay, Paytm, or PhonePe as your payment method when you shop online.

• What is the credit limit for my IDFC FIRST Digital RuPay Credit Card?

  Your current card and the IDFC FIRST Digital RuPay Credit Card share the same credit limit, which does not change.

• Can I make purchases offline with my IDFC FIRST Digital RuPay Credit Card?

  Yes, you can make purchases offline at POS terminals which support UPI.

• How do I pay my FIRST Digital RuPay Credit Card bill?

  The primary credit card statement shows the combined amount of all payments. Payment options include the IDFC FIRST Bank app, net banking, NEFT, cheques, and auto-debit.

• Is my digital card eligible for the same benefits and perks as my current one?

  IDFC First Digital RuPay Credit Card UPI transactions are not eligible for benefits and privileges; they are exclusive to your current credit card.

• Will I be notified for making transactions with my IDFC FIRST Digital RuPay Credit Card?

  Yes, an SMS alert will be sent to your registered mobile number for each UPI transaction made with your FIRST Digital RuPay Credit Card.