- Joining fee
₹199 + GST
- Annual fee
₹199 + GST
- Best suited for
UPI
- Reward type
Reward Points
Rewards
- Rewards rate
3X rewards on UPI Spends Above ₹2,000, Earn 1X Reward Point on UPI Spends Below ₹2,000, and Earn 1X Reward Point on all Utility and Insurance Payments
- Welcome benefits
100% Cashback Up to ₹200 on the First Four UPI Transactions
Product highlights
- The card comes with a joining fee of ₹199 + GST.
- This is a floater card with the primary credit card. It shares the same credit limit as the existing card and uses the same billing cycle and statement as the primary card
- The card offers a welcome cashback of up to ₹200
- You can earn up to 3X Reward Points on eligible UPI spends
Pros & cons
Pros
- The card has a low joining and annual fee of just ₹199 + GST each, making it affordable for most users.
- As the card supports UPI payments through apps like Google Pay, PhonePe, Paytm, and BHIM, this card is an ideal add-on card for existing IDFC FIRST Bank credit card holders who want UPI.
Cons
- Benefits can vary depending on the primary IDFC FIRST card linked with it, which may confuse some users.
FAQs
What is the joining and annual fee of the card?
The card comes with a joining fee and an annual fee of ₹199 + GST each.
Can I use this card for UPI payments?
Yes, the card can be linked with supported UPI apps for making payments directly through UPI.
Does this card provide a separate credit limit?
No, it works as a floater card and shares the same credit limit as your primary IDFC FIRST credit card.
What is a floater credit card?
A floater card shares the same account, billing cycle, and credit limit as the primary credit card instead of offering a separate limit.
What welcome benefit do users get with this card?
Users can get 100% cashback of up to ₹200 as a welcome benefit.