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IDFC First · RuPay

FIRST Digital RuPay Credit Card

Digital RuPay Credit Card for UPI: Credit Meets Daily UPI Payments

Annual fee
₹199
Forex markup
—
Lounges (Dom/Intl)
— / —
Welcome benefit
₹200

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.17% travel · 0.17% dining · 0.17% base.

Net steady-state return
₹821 /year
0.17% effective · ₹199 fee
Annual reward earned₹1,020
Welcome benefit (year 1)One-time₹200
Annual fee−₹199
Joining fee (year 1 only)−₹199
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs AU NOMO Credit Card

At ₹50,000/month with 15% travel and 10% dining.

Metric
FIRST Digital RuPay Credit Card
AU NOMO Credit Card
Annual fee
₹199
₹199
Annual reward
₹1,020
₹3,000
Net /year (steady)
₹821
₹2,801
Forex markup
—
0.99%

Tools for FIRST Digital RuPay Credit Card holders

Frequently asked

Is the FIRST Digital RuPay Credit Card worth the ₹199 fee?

It depends on your spend. The FIRST Digital RuPay Credit Card earns 0.17% base reward. Use the break-even calculator above to see your specific number.

What is the eligibility for FIRST Digital RuPay Credit Card?

IDFC First hasn't published a hard minimum income for FIRST Digital RuPay Credit Card. Approval depends on credit score, existing relationship, and employment type.

✓ Verified 67 days agolikely

Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.