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Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
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- Account for all Domestic businesses
- Account for Importers & Exporters
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- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Zero Forex Markup Current Account
Maximise your savings and boost profitability with our Zero Forex Markup current accounts
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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Quantum+ Credit Card
Assured Cashback Lifetime Free -
Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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Hello Cashback
Cashback UPI-ready Assured
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Gaj: Credit Card
Invite Only Zero Forex ₹12,500
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Diamond Reserve
Zero Forex Travel ₹3,000
A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
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Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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FIRST Corporate
Lifetime free Travel
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FIRST Purchase
Lifetime free Working capital needs Rewards
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FIRST Business
UPI Rewards 1.99 Forex
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Micro Enterprise Credit card
UPI-ready Udyam registered MSMEs
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Quantum+ Credit Card
Assured Cashback Lifetime Free
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Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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Hello Cashback
Cashback UPI-ready Assured
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Gaj: Credit Card
Invite Only Zero Forex ₹12,500
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Diamond Reserve
Zero Forex Travel ₹3,000
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Quantum+ Credit Card
Assured Cashback Lifetime Free
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FIRST Digital
Virtual UPI ₹199
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Hello Cashback
Cashback UPI-ready FD-Backed
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FIRST EARN
Virtual FD-Backed 1% Cashback
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FIRST Power & Power+
Rewards UPI ₹199
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FIRST WOW! Black
FD-Backed Virtual Travel
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IndiGo IDFC FIRST Dual Card
Travel Lifestyle ₹4,999
- Affordability & Cashback Credit Cards
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Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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FIRST Corporate
Lifetime free Travel
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FIRST Purchase
Lifetime free Working capital needs Rewards
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FIRST Business
UPI Rewards 1.99 Forex
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Micro Enterprise Credit card
UPI-ready Udyam registered MSMEs
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- Others
Unlock features, exclusively available
only on the IDFC FIRST Bank app
What is the Quantum+ Credit Card?
The Quantum+ Credit Card by IDFC FIRST Bank is a lifetime free, FD-backed credit card starting at just ₹10,000 FD. Earn up to 2% cashback on everyday spends while building your credit profile.
Your credit limit equals 100% of your FD value. Use it online, offline or via UPI Scan & Pay to earn cashback on every eligible transaction, from Day 1.
Whether you are student, homemaker, freelancer, retired employee, or a young professional, the Quantum+ gets you started with no income proof or credit history required.
Read moreExperience the Quantum+ Advantage
Enjoy cashback on everyday spends while your FD earns interest
2% Cashback
On online spends above ₹10,000 in a statement cycle
1% Cashback
On online spends up to ₹10,000 in a statement cycle
1% Cashback
On UPI Scan & Pay done through IDFC FIRST Bank Mobile App
1% Cashback
On in-store purchases
0.5% Cashback
On select categories*
Up to 6.5% FD interest**
Your FD earns interest while your credit card earns cashback.
- Online spends on select categories and EMI transactions will not count towards the ₹10,000 online spends milestone.
- No cashback on EMI, ATM cash withdrawals, and UPI spends made through third-party UPI payment apps.
- *Select categories include utility bills, wallet loads, insurance, jewellery, government services and rent.
- **FD interest rates are subject to change. The rate applicable at the time of application journey will apply.
More Privileges on Quantum+ Credit Card
1% Bonus cashback on travel bookings
Book hotels and flights via the IDFC FIRST Bank Mobile App and earn 1% bonus cashback.
Access funds without breaking your FD
Withdraw cash interest-free for up to 45 days at a nominal fee of ₹199 + GST.
Personal Accident Cover of ₹2 Lakhs
Get a personal accident cover worth ₹2,00,000 with your Quantum+ Credit Card.
Lost card? You're covered
If your card is lost or stolen, you're protected against fraud up to ₹25,000
Your Money Just
Got a Promotion
Your FD keeps earning
Continue earning interest on your Fixed Deposit while it powers a credit card designed to unlock everyday value.
More Credit Power
Get 100% of your FD amount as credit limit, giving you more spending power for everyday purchases.
UPI ready Credit Card
Scan & Pay via UPI across 60Mn+ merchants on the IDFC FIRST Bank Mobile App to earn 1% cashback
Up to 2% Cashback
Earn up to 2% cashback on online spends and up to 1% cashback on eligible UPI & offline purchases.
What is the eligibility criteria for Quantum+ Credit Card?
18 years of
age or above
Resident of India
Valid Aadhaar and
PAN for VKYC
How to get your Quantum+ credit card?
Step 1
Enter
your details
Step 2
Create FD online
Step 3
Complete Video KYC
Step 4
Bank issues
your virtual card instantly*
- You can also link your existing FD when you apply via IDFC FIRST Bank Mobile App.
- *Your physical credit card will be delivered to your registered address
- Download or Open IDFC FIRST Bank mobile app & start using the virtual credit card right away
Decide your own credit limit
Open a new Fixed Deposit or link an existing FD to your card via the IDFC FIRST Bank Mobile App and get an instant credit limit increase.
UPI payments? You’re already set.
Card Linking? Done For You
Your card is auto-linked to the IDFC FIRST Bank mobile app. Use your app MPIN to make UPI payments and earn 1% cashback.
Card Linking? Done For You!
Your card is auto-linked to the IDFC FIRST Bank mobile app. Use your app MPIN to make UPI payments and earn 1% cashback.
Scan the QR code to open the app
Scan. Link. Done.
Scan the given QR code to link and use your Quantum+ Credit Card for making UPI payments.
Tap. Link. Done.
Tap 'Link Now' to link and use your Quantum+ Credit Card for making UPI payments.
Scan the QR code to open PhonePe
Scan. Link. Done.
Scan the given QR code to link and use your Quantum+ Credit Card for making UPI payments.
Tap. Link. Done.
Tap 'Link Now' to link and use your Quantum+ Credit Card for making UPI payments.
Scan the QR code to open GPay
Scan. Link. Done.
Scan the given QR code to link and use your Quantum+ Credit Card for making UPI payments.
Tap. Link. Done.
Tap 'Link Now' to link and use your Quantum+ Credit Card for making UPI payments.
Scan the QR code to open Paytm
Get the credit card at zero fees.
Quantum+ is a lifetime free credit card with no joining and annual fees.
Quantum+
where every credit journey begins.
The Self-Made Freelancer
The Empowered Homemaker
The Ambitious First Jobber
Seasoned Retiree
The Aspirational Student
Budding Business owner
Frequently Asked Questions
All
Application & Eligibility
Fee & Card Usage
Benefits
FD Backed
UPI Enabled
Credit Limit
How can I apply for the Quantum+ Credit Card?
Click on Apply Now and enter your details
Create FD online
Complete Video KYC
Bank issues your virtual card instantly
Physical credit card will be delivered to your registered address in 5 working days.
Please note: You can also link your existing FD when you apply via IDFC FIRST Bank Mobile App.
Download or Open IDFC FIRST Bank mobile app & start using the virtual credit card right away for online and UPI payments
What are the eligibility criteria to apply for Quantum+ Credit Card?
To apply for the Quantum+ Credit Card, you must:
Be between 18 and 80 years of age
Be a resident of India
Have a valid Aadhaar and a physical PAN card for Video KYC
Open a Fixed Deposit (FD) of at least ₹10,000 with IDFC FIRST Bank or already have an eligible FD with the Bank
Note: The Bank reserves the right to issue a Credit Card to the applicant based on an assessment of his/her credentials. The final decision is at the Bank’s solediscretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above Credit Card criteria
Do I require a credit history or income proof to apply for the Quantum+ Credit Card?
No, you do not need any credit history or income proof to apply for the Quantum+ Credit Card. With regular usage and timely payments, this card helps you build and strengthen your credit score, laying a strong financial foundation for the future.
Is there a joining fee on the Quantum+ Credit Card?
No. The Quantum+ Credit Card comes with zero joining fee.
Is there an annual fee on the Quantum+ Credit Card?
No. The Quantum+ Credit Card is Lifetime Free with zero annual fee - no conditions, no minimum spend required.
What are the cashback benefits of the Quantum+ Credit Card?
With the Quantum+ Credit Card, you enjoy:
- 1% Cashback on online spends up to ₹10,000 in a statement cycle
- 2% Cashback on incremental online spends above ₹10,000 in a statement cycle
- 1% Cashback on UPI spends done via IDFC FIRST Bank App
- 1% Cashback on in-store purchases
- 0.5% Cashback on select categories (Utility, Rent, Jewellery, Wallet, Insurance, and Govt. Services)
- Bonus 1% Cashback on hotel & flight bookings done via IDFC FIRST Bank App
Total cashback is capped at ₹500 per statement cycle across all categories combined
Cashback is not applicable for ATM cash withdrawals, EMI transactions, and UPI spends done through other third-party UPI payment apps.
How much cashback can I earn in a statement cycle?
Total cashback* that can be earned in a statement cycle is ₹500 across all categories combined.
*Cashback will be earned for spends up to your credit limit per statement cycle. Additional spends beyond this will not be eligible for cashback, including transactions enabled through repayments and subsequent re-utilisation within the same statement cycle.
Are there any conditions to be eligible for cashback?
Cashback will be posted to your credit card account only when the Minimum Amount Due (MAD) has been paid on or before the Payment Due Date (PDD).
Which categories are excluded from cashback benefits?
ATM cash withdrawals, EMI transactions, and UPI spends done through other third-party UPI apps are excluded from cashback benefits.
Which transactions count towards the ₹10,000 online spends milestone?
All online spends count towards the ₹10,000 online spends milestone except those on select categories (Utility, Rent, Jewellery, Wallet, Insurance, and Govt. Services). EMI transactions will also not count towards this milestone.
What is Bonus Cashback?
Bonus Cashback refers to cashback earned over and above the base earn rate. You can earn an additional 1% Bonus Cashback on hotel & flight bookings done through the IDFC FIRST Bank App.
Since travel bookings via the IDFC FIRST Bank App are made through the online channel, the base cashback rate applies - 1% for online spends up to ₹10,000 or 2% for incremental online spends above ₹10,000. Hence, the total cashback rate including the bonus will be:
Up to 2% (1% base + 1% bonus) for hotel & flight bookings within the ₹10,000 online spends milestone
Up to 3% (2% base + 1% bonus) for hotel & flight bookings above the ₹10,000 online spends milestone
Total cashback capped at ₹500 per statement cycle across all categories combined.
My cashback for the current statement shows a negative balance. What does this mean?
If you cancel, reverse, or return a purchase, the cashback earned on that transaction will be reversed and adjusted in your monthly statement.
For example: A UPI transaction of ₹10,000 through the IDFC FIRST Bank App made on 21st April 2026 would qualify for 1% cashback, i.e., ₹100, assuming the statement was generated on 1st May 2026. If the item was returned on 2nd May 2026, the cashback of ₹100 will be reversed and debited in the subsequent statement.
Where can I view the cashback earned on my Quantum+ Credit Card?
Cashback earned can be viewed in your monthly Credit Card statement.
When will I receive my cashback?
Cashback will be credited to your credit card account one day after the Payment Due Date (PDD+1), provided at least Minimum Amount Due (MAD) has been paid on or before the Payment Due Date.
Will my cashback expire?
Your cashback does not expire. It will be posted to your card account upon realisation of the Minimum Amount Due (MAD) on or before the Payment Due Date (PDD) and adjusted against the outstanding balance. However, cashback will be forfeited for a statement cycle if the MAD is not paid by the PDD.
Are there any other privileges on the Quantum+ Credit Card?
Yes, the Quantum+ Credit Card comes with a range of privileges:
Personal Accident Cover of ₹2,00,000
Lost Card Liability Cover of ₹25,000
What are the benefits of having a Credit Card against a Fixed Deposit?
Here are the key benefits:
No income proof required - Customers can obtain a credit card without providing any income proof.
Helps build credit history - Regular usage and timely payments help build a strong credit score and credit history.
Earn interest on Fixed Deposit - Your FD continues to earn interest even while it powers your credit card, giving you up to 45 days of free credit.
Double benefits on FD - Your money earns in two ways - interest on the FD + cashback on card spends.
Why am I being asked to create a Fixed Deposit?
The Quantum+ Credit Card is issued against a Fixed Deposit. Your FD serves as the collateral to set your credit limit - your credit limit will be 100% of your FD value. Once the FD is created, a lien is marked on the full amount and linked to your Quantum+ Credit Card.
Which fixed deposits can be used for applying for the Quantum+ Credit Card?
Fixed deposits opened for Quantum+ Credit Card shall be single held and shall be on auto renewal, reinvest mode unless terminated and cancelled. A lien will be marked on the entire amount of the Fixed deposit.
The Fixed Deposits opened/placed by HUFs, Partnership firms/society/trust, minors or opened jointly by applicant/s, Tax Saver or Flexi-Deposits (Auto-sweep Fixed Deposits) are not eligible for Quantum+ Credit Card.
What is UPI on Credit Card?
UPI on Credit Card allows you to link your credit card to the UPI (Unified Payments Interface) system, enabling seamless and secure payments directly from your credit card via UPI. Your Quantum+ Credit Card is UPI-enabled and auto-linked to the IDFC FIRST Bank App - simply scan any merchant QR and pay, and earn 1% cashback on UPI payments done through the App.
How can I link my Quantum+ Credit Card to UPI?
Your Quantum+ Credit Card is UPI-enabled and auto-linked in the IDFC FIRST Bank App. To link it to other UPI apps, follow these steps:
Open the UPI app and select 'Add RuPay Credit Card'
Select IDFC FIRST Bank — your eligible cards will be displayed
Select Quantum+ Credit Card, enter the last 6 digits of your card, card expiry, and OTP to complete registration
Enjoy 1% cashback on UPI spends done through the IDFC FIRST Bank App.
Is my Credit Card PIN and UPI PIN the same?
No, they are different.
UPI PIN:
IDFC FIRST Bank App: No new UPI PIN needs to be generated. Your UPI PIN is the same as your MPIN.
Other UPI apps (GPay, PhonePe, etc.): You need to generate a new UPI PIN. Go to your UPI app profile → Add RuPay Credit Card on UPI → Select IDFC FIRST Bank → Enter last 6 digits, card expiry, and OTP → Set and confirm 4-digit UPI PIN.
Credit Card PIN: Open IDFC FIRST Mobile App → Credit Cards → Quick Actions → Set New PIN → Confirm your 4-digit Credit Card PIN.
You may choose to keep your Credit Card PIN and UPI PIN the same or different.
Can I send UPI payments to individuals or other credit cards using my Quantum+ Credit Card?
No. Only merchant payments, as authorised by NPCI, are permitted using the RuPay Credit Card on UPI.
Can I set my linked credit card as the default account to receive funds?
No, since credit cards work differently from bank accounts, you cannot receive money (like from friends or family) into your credit card via UPI. You can only make payments to merchants using it.
On which UPI apps can I register my Quantum+ Credit Card?
You can link your Quantum+ Credit Card on all major UPI apps including BHIM, PhonePe, Cred, GPay, super.money, etc. However, 1% cashback is applicable only on UPI spends done through the IDFC FIRST Bank Mobile App.
Which fixed deposits can be used for applying for the Quantum+ Credit Card?
Fixed deposits opened for Quantum+ Credit Card shall be single held and shall be on auto renewal, reinvest mode unless terminated and cancelled. A lien will be marked on the entire amount of the FD.
The Fixed Deposits opened/placed by HUFs, Partnership firms/society/trust, minors or opened jointly by applicant/s, Tax Saver or Flexi-Deposits (Auto-sweep Fixed Deposits) are not eligible for Quantum+ Credit Card.
What will be my credit limit?
You will get 100% of your FD value as your Credit Limit for your Quantum+ Credit Card.
Can I increase my Quantum+ Credit Card’s limit?
Yes, you can instantly increase your Quantum+ Credit Card limit by linking your existing FD or booking a new FD through the IDFC FIRST Bank Mobile App. Click here to get started.
What are the benefits of increasing my credit card limit?
- Increased purchasing power: A higher credit limit gives you more room to spend, which is especially useful for larger purchases or unplanned expenses.
- More cashback opportunities: With a higher limit, you can spend more comfortably on your card and earn more cashback in return.
