IDFC FIRST Bank · Scored card guide

IDFC FIRST Quantum+

1% online up to ₹10k, 2% incremental; 1% in-store, ₹500 monthly cap. Lifetime free and FD-backed.

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How this estimate works

Issuer says Quantum+ has no joining or annual fee. Eligible online purchases earn 1% on the first ₹10,000 of online spend per statement cycle and 2% on the incremental amount; in-store purchases earn 1%. The issuer-app UPI route earns 1%, but this calculator cannot identify that route and does not assume it. Utility bills, rent, jewellery, wallet loads, insurance and government services earn 0.5%, but this generic Utilities input is not guaranteed to use the eligible route/MCC, so left unscored. No cashback on EMI, ATM cash withdrawals or UPI via other apps. All cashback together is capped at ₹500 per statement cycle and only spend up to the FD-backed credit limit qualifies. Model assumes the input is the only monthly purchase and has a sufficiently large FD limit; combined spend can exhaust the threshold and cap. Cashback posts to the card account only if minimum due is paid on time; pay in full to avoid interest. Bonus for travel booking through the issuer app and interest on the pledged FD are omitted. No separate points redemption is needed. Source: https://www.idfcfirst.bank.in/credit-card/quantum-plus-credit-card.

This is not a blanket 2% card. The first ₹10,000 eligible online spend in each statement cycle earns 1%; only the incremental amount earns 2%. Monthly cashback from all categories shares a ₹500 cap. The calculator does not know your FD credit limit or other purchases in the cycle.

Issuer source

https://www.idfcfirst.bank.in/credit-card/quantum-plus-credit-card

Checked 28 Sep 2026. Issuer terms can change; verify before applying.

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