FIRST Digital RuPay Credit Card
Digital RuPay Credit Card for UPI: Credit Meets Daily UPI Payments
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.17% travel · 0.17% dining · 0.17% base.
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.
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.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.