Get the flexibility of UPI with your IDFC FIRST Bank Credit Card

Love your IDFC FIRST Bank Credit Card? Now you can also use it with UPI. Introducing the FIRST Digital RuPay Credit Card that lets you take advantage of both worlds: credit card rewards and the convenience of UPI.

Here’s how you can use it to unlock new financial freedom, whether you are a seasoned spender or new to credit.

Why use a credit card for UPI payments?

Before diving into the specifics, let's talk about benefits of having a RuPay Credit Card for UPI. Using your credit card for UPI payments is like getting the best of both worlds -

Free credit for up to 45 days

Enjoy the flexibility of the credit period. Buy now, pay later.

Earn as you spend

Who doesn't love cashback or reward points? Your UPI payments can earn them, too.

One app to rule them all

Keep track of your spending in one place – your credit card statement.

Choosing your best RuPay Credit Card for UPI

Not all credit card are created equal when it comes to UPI. Here's what to look for -

UPI integration

Make sure the card easily links to your UPI app. Not all cards offer this functionality yet, so check with your bank or issuer before applying.

Rewards

Check the rewards program – does it give you points or cashback for UPI payments? Some cards offer bonus rewards for UPI transactions, while others might exclude them from reward programs altogether. Consider your spending habits and choose a card that rewards you for the way you shop.

Fees

Some cards have annual fees or other charges. Choose one that fits your budget. If you are new to credit cards or rebuilding your credit, a secured credit card could be a great option. Secured credit cards require a refundable security deposit as your credit limit.

FIRST Digital RuPay Credit Card - A winner for UPI payments

The FIRST Digital RuPay Credit Card offers the convenience of UPI payments combined with the advantages and rewards of a RuPay credit card. It's a game-changer for those who love the simplicity of UPI but also want to leverage the perks of credit.

Why choose the FIRST Digital RuPay Credit Card?

Here’s what makes the FIRST Digital RuPay Credit Card unique -

Instant gratification

Forget the wait for a physical card. This digital card is issued instantly upon approval so you can use it immediately. No more waiting days or weeks to get your card in the mail – your spending power is just a few clicks away.

UPI-centric rewards

This card is designed with UPI users in mind. Earn reward points for every UPI transaction you make. Whether paying for groceries, utilities, or your morning coffee, your UPI spending now contributes to earning valuable rewards you can redeem for cash back, travel, or merchandise.

Leverage your existing credit

No need to juggle multiple credit lines. The FIRST Digital RuPay Credit Card is linked to your existing IDFC FIRST Bank credit card limit. This means you don't have to apply for a new credit card or worry about managing a separate bill.

Welcome bonus boost

To sweeten the deal, IDFC FIRST Bank offers a generous welcome bonus on your first few UPI transactions. Enjoy 100% cashback (up to ₹200) on your initial UPI spending, giving you a head start on your rewards journey.

Beyond UPI

While UPI is its forte, the FIRST Digital RuPay Credit Card doesn't stop there. It offers a wide range of benefits that extend beyond UPI payments. Enjoy fuel surcharge waivers, discounts on dining and entertainment, and even travel benefits. It's a comprehensive credit card experience that complements your UPI usage.

Now, let’s know who should consider this card -

UPI enthusiasts

If you frequently use UPI for your daily transactions, this card is tailor-made for you. It rewards your UPI spending and offers seamless integration with UPI apps, making your payment experience even smoother.

Existing IDFC FIRST Bank customers

If you already have an IDFC FIRST Bank credit card, adding the FIRST Digital RuPay Credit Card is a no-brainer. It's a convenient way to extend your credit card benefits to your UPI payments without the hassle of managing a new card.

Reward seekers

If you love earning rewards on your spending, this card won't disappoint. With its focus on UPI transactions and other benefits, you will quickly rack up reward points.

Your UPI and credit card dream team

Using your best credit card for UPI payments is like getting what you were looking for - the convenience of UPI payments with the RuPay credit card advantages. Choose the right card, like the FIRST Digital RuPay Credit Card, and enjoy rewards, cashback, and much more.