FD-backed virtual RuPay credit card issued instantly against a fixed deposit minimum FD ₹5,000; credit limit up to 100% of FD value
Earn up to 1% cashback on UPI spends via the IDFC FIRST Bank mobile app, 0.5% on UPI via other apps and all online spends, and 0.5% on utility, insurance and wallet loads total cashback capped at ₹500 per statement cycle
Up to 8% bonus cashback on travel bookings
25% off (up to ₹100) on movie tickets once a month
earn FD interest while earning cashback
Fees
Joining Fee10% cashback of up to ₹250 on your first transaction
Free
Lifetime Free
Annual FeeThe annual fee is waived if you spend ₹1 lakh more in a year on your card, as per bank policy
₹589
₹499 + GST
Eligibility
Age
18-80 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 0.71% to 3.85% per month 8.5% to 46.2% per annum apply on unpaid outstanding balances until the amount is fully repaid
0.71% - 3.85%
ATM Withdrawal₹199 per transaction is charged on cash advances
₹199
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets, levied only when total railway spends in a statement cycle exceed ₹25,000
1%
Rent PaymentA surcharge fee of 1% of the transaction value, subject to a minimum of ₹249 applies on rental transactions
1%
Cheque PaymentA fee of 2% of the payment amount, subject to a minimum of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentNo fee is charged on cash payment of the credit card bill
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 – ₹100
₹0
₹101 – ₹500
₹100
₹501 – ₹5,000
₹750
₹5,001 – ₹8,000
₹1200
₹8,001 – ₹10,000
₹1300
Above ₹10,000
₹1300
Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300)
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
