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Terms & Conditions
Offer Construct:
Link your IDFC RuPay Credit Card on any UPI app such as PhonePe, Gpay, Paytm, CRED etc. and do two UPI transactions of ≥₹250 each within the campaign period to get a flat cashback of ₹250.
Eligible Card Variant: FIRST Digital RuPay Credit Card /FIRST Power/ FIRST Power+ / IndigGo RuPay Credit Card / FIRST EA₹N Credit Card
You can click on below tab to add your RuPay Credit card on your favorite UPI app and start transacting.
Cashback would be given once per credit card during the campaign period.
Offer Duration: 7th Jan. to 31st March 2026
• Customers who have received communication related to this campaign, from the bank, through channels mentioned below will be eligible for cashback on completing the criteria as mentioned in T&C:
Email, SMS, Push Notification, App Banners, WhatsApp
• Only UPI transactions done between IST 12:00 AM (7th January 2026) to 11:59 PM (31st March 2026) will be considered eligible for this campaign excluding EMI transaction.
• UPI Payment made to any merchant, online shopping, Utility bill payment, Insurance payment, fuel payment is eligible. Person to Person (P2P) transactions will not be considered eligible for this offer.
• Cashback will be credited within 60 days of both transaction completion
• The Offer is applicable per RuPay credit card. Any customer who has multiple IDFC RuPay credit card then he/she may be eligible for the Offer separately on each eligible RCC on UPI transaction. Offer would be communicated to the customer for the card that is eligible for this offer.
• The cashback of INR 250 shall be credited to the same credit card account used for the eligible RuPay Credit Card UPI transactions.
• During the offer fulfilment, if the customer’s credit card account is found to be in overdue or in over-limit status for the last three months or the card is closed, the cashback posting will not be processed.
• The Offer is applicable only to resident Indian IDFC RuPay Cardholders holding a valid, active, non-hotlisted IDFC RuPay credit card.
• The offer is non-transferable, non-cashable and non-negotiable.
• The offer will be applicable on purchases made on qualified retail purchases for personal consumption only. The offer will not be valid for transactions which are deemed to be commercial or business in any nature. The bank reserves the right to disqualify such transactions while calculating final eligibility.
• Bank reserves the right to modify/withdraw offer at its sole discretion.
• Maximum cashback of ₹250 will be given per eligible credit card on completing 2 UPI spends of ₹250 each
What is the eligibility criteria?
• Card holders who have not transacted on UPI from their IDFC RuPay Credit card for the calendar year 2025 i.e. from 1st January 2025 to 31st December 2025 (Includes both New and Existing cards) .
• IDFC Bank RuPay Cards issued and not transacted on UPI for the calendar year as mentioned above and the new cards issued during the campaign period shall be eligible.
• Payment to be made through UPI app Linked FIRST Digital RuPay Credit Card/ FIRST Power/Power+ Credit Card/FIRST EA₹N/IndiGo IDFC FIRST RuPay Credit Card. No other payment instruments transactions (Wallet / Credit Card / Debit Card) are applicable on this offer.
• Customer has to link the card, for which offer has been received, on any of the UPI app such as PhonePe, Gpay, Navi, Paytm, CRED etc and do 2 UPI transactions of ₹250 each to be eligible for cashback. Ex: If customer has both FIRST Power and FIRST Digital RuPay Credit card and customer has received communication for this offer on his FIRST Digital RuPay Credit Card then transaction done through FIRST Digital card only will be considered for this offer.
• If any customer holds multiple IDFC FIRST Bank Credit Card and has received offer communication for both the card, then he can complete the offer criteria on both the cards. Eligibility will be checked at card level for qualification.
• UPI transactions done via IDFC FIRST Bank Add-On Credit Card of the eligible credit cards mentioned above shall be considered for the offer and the relevant cash back will be credited to the primary cardholder’s credit card account. No separate / duplicate posting will be given to the Add-On cardholder
• If any transaction during the offer period is reversed by the cardholder or merchant, that particular transaction will be excluded from the net eligible spends. Similarly, for any disputed transaction of the cardholder, that particular transaction will be excluded from the total eligible spends.
• All transactions completed within the offer period will be considered. The settlement for a few of these transactions may be delayed basis the merchant’s settlement cycle but all transactions authorized within the offer period shall be considered.
• To make UPI payments using your RuPay credit card, users do not need to enter CVV or wait for OTP SMSes. Simply select your credit card, enter your UPI PIN and avail the offer.
How many times will I be awarded Cashback?
• Offer can be availed once (per card per user) during the offer period. Eligibility criteria to be referred as mentioned above.
What happens in case of refund/cancellation of my transaction?
• In case of any cancellations/refunds, that transaction would not be considered eligible for the offer.
Other Terms and Conditions:
• This Offer is provided by NPCI, for its product ‘RuPay’ - a card scheme, in collaboration with IDFC FIRST Bank who is authorized and licensed by NPCI to issue RuPay credit cards (“Issuing Banks”).
• For the purpose of these Terms, an ‘Eligible Transaction’ shall mean a set of two transactions where each transaction amount is equal to or greater than INR 250, made by the RuPay credit cardholder pursuant to linking their RuPay credit card on UPI (“RCC on UPI”) during the Offer Period.
• Under this Offer, eligible cardholders will receive a flat cashback of INR 250 upon making the Eligible Transaction, through RCC on UPI during the Offer Period, subject to the Terms shared above.
• The Bank reserves the right to disqualify any transaction out of all spends if it appears to be non-personal expense or commercial transaction in nature. The bank may ask for the proof of purchase in the form of invoice/ bill in case of dispute on the said transaction and bank would have the final right to qualify or disqualify any transaction.
• Any Customer eligible for the offer shall be deemed to have read, understood and accepted these terms and conditions, the offer terms and conditions mentioned in the communication sent, as well as, general terms and conditions of the Bank, before availing the offer.
• The Bank reserves the right to disqualify any Customer from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer (including any default in payments).
• Bank reserves the right, at any time, without any prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or any of these terms and conditions or to replace, wholly or in part this offer by another offer whether like this offer or not or to extend or withdraw this offer altogether.
• The Bank holds out no warranty and makes no representation about the quality, delivery or otherwise of the goods and services offered by any merchant with regards to this offer. Customer is expected to take any grievance, pertaining to quality, delivery or any other issue of purchased goods and services, to the respective merchant and not to the Bank.
• The decision of the Bank limited in all matters in connection with and incidental to this offer is final and shall be binding on all persons.
• Incomplete / rejected / invalid /returned /cancelled / refunded/ disputed or unauthorized/ fraudulent transactions will not be considered for the offer.
• Disputes, if any, arising out of or in connection with or as a result of above offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai.
• All taxes, duties, levies or other statutory dues and charges payable in connection with the offer shall be borne solely by the Customer and the Bank will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
• The transaction initiated through aggregators or payment wallets will not be eligible for the offer.
• Only successful UPI transaction done through eligible Credit card as mentioned above would be considered.
• No interest, compensation, or alternative benefit shall be payable if there is any delay in crediting the cashback or if NPCI decides in its sole discretion to revoke the Offer during the Offer Period.
• NPCI’s decision on eligibility, cashback computation, and Offer Period and validity shall be final and binding on the RuPay Cardholders and Issuing Banks (IDFC FIRST Bank).
• NPCI reserves the right to disqualify any individual/ RuPay cardholder from this Offer, if any fraudulent activity is identified by NPCI or Issuing Bank.
• By participating in this Offer, customer/individual/RuPay cardholder agrees that NPCI or/and Issuing Banks will not be held liable or responsible for any loss or damage whatsoever incurred to such customer/individual/RuPay cardholder in connection with the Offer.
• Successful participation or an attempt to participate in the Offer constitutes acceptance of these Terms and Conditions.
• The offer is valid for the transactions listed under the specified category(ies) only as defined by Network partners (RuPay) under their respective Merchant Category Codes (“MCC”).
• IDFC has the right to amend the terms & conditions, end the offer, or call back any or all of its offers without prior notice.
• I hereby confirm that I have also read and understood the contents of the offer details and agree to be levied various charges mentioned therein as and when applicable to me. The T&C, offer and miscellaneous documents provided are in English language and, I have fully understood the same and would request IDFC FIRST Bank to provide any further information in English language and I am aware they are available for reference on the IDFC FIRST Bank website https://www.idfcfirst.bank.in/
• The offer is valid subject to the transaction being initiated through the listed Merchant/s and the transaction carrying the specified Merchant Category (Category mentioned in T&C above).
• The transaction initiated through aggregators or payment wallets will not be eligible for the offer if the transaction does not have the specified merchant category.
