IDFC FIRST Digital RuPay Credit Card
Companion-card merchant UPI for standard linked-primary holders only: 3 points/₹200 above ₹2,000 per payment, otherwise 1 point/₹200. ₹0.25 point value; ₹199+GST companion fee. Primary card costs excluded.
Try your spend →How this estimate works
Only the dedicated merchant-UPI chip is scored. This model is specifically for FIRST Digital RuPay linked to an existing FIRST Millennia, Classic, Select, Wealth, Family, WOW! or WOW! Black primary card. Issuer current FAQ defines 1X as one point per ₹200 for this group; eligible ordinary merchant UPI purchases earn 3X above ₹2,000 per transaction and 1X at or below ₹2,000. The model floors one monthly transaction to complete ₹200, values each point at the stated ₹0.25, and subtracts one annual ₹99+GST redemption fee. There is no minimum point balance to redeem, but points are redeemed from the primary account only. Utilities and insurance receive a separate 1X rule and are not priced by this ordinary-UPI chip. Fuel, cash, EMI, rent, wallet, jewellery, education/government, taxes, transportation and ambiguous MCCs or special routes are omitted. Earn is subject to the shared primary card credit limit per billing cycle, and points expire after 24 months under current Select terms. FIRST Digital has ₹199+GST joining fee and ₹199+GST annual fee from year two; one yearly fee is deducted, not both in year one. Primary card cost and FD opportunity cost, if applicable, are not included, so this is an incremental companion-card estimate for existing holders, not the cost of obtaining the whole setup. Other linked primary variants use different denominations or flat reward structures and are not covered. Welcome offers, expired campaigns and 10X boosts are excluded. Confirm current primary-card terms and eligible merchant coding.
Issuer terms
Digital RuPay product, fee, exact point unit and primary-linked reward FAQ · Current fee schedule · Select primary expiry and shared-limit terms · Issuer no-minimum-redemption FAQ
Terms checked 30 September 2026. Verify the merchant category and offer in IDFC FIRST Bank’s current terms.