Credit Card

RuPay Credit Card on UPI: How IDFC FIRST Bank can enhance your transactions

Key Takeaways

RuPay credit cards on UPI provide the combined benefits of credit cards and UPI platforms.
IDFC FIRST Bank has four RuPay Credit Cards for you to choose from.
Find out how to get a RuPay Credit Card that’s best suited for your needs depending on the various features and benefits they offer.

13 Aug 2024 by Team FinFIRST

Want the convenience of UPI with the financial flexibility of credit cards? You can! All you need is a RuPay Credit Card. IDFC FIRST Bank offers four ways to get a RuPay Credit Card on UPI:

FIRST EA₹N Credit Card - This is a secured RuPay Credit Card. Since it’s backed by an FD, it’s easily accessible even if you have a low CIBIL score.
FIRST Digital RuPay Credit Card - If you are an existing IDFC FIRST Bank Credit Card holder, you can opt for this virtual add-on RuPay Credit Card to enjoy UPI benefits without applying for a new RuPay card.
FIRST Power Credit Card - This is an unsecured RuPay Credit Card, which offers additional benefits for fuel purchases.
FIRST Power+ Credit Card - Also an unsecured RuPay Credit Card, it offers a higher tier of fuel rewards and cashback.

Let’s look at how to use RuPay Credit Cards for UPI to your best advantage.

UPI and credit cards: The perfect combination for hassle-free payments

10 Ways to use a credit card without muddling your budget

Benefits of linking a RuPay Credit Card to UPI

While UPI is undoubtedly convenient, making your credit card a UPI payment source amplifies its benefits further:

Get rewarded for everyday payments-

Get rewarded with cashback, reward points, or available merchant discounts each time to make a UPI payment through your credit card.

Simplified payment process -

Having the credit card details saved on a UPI app means you don’t need to enter your card details while paying.

Features	FIRST Digital RuPay Credit Card	FIRST Power Credit Card	FIRST Power+ Credit Card	FIRST EA₹N Credit Card
Joining fee	₹199 + GST	₹199 + GST	₹499 + GST	₹499 + GST
Annual fee (applicable from the 2ndyear onwards)	₹199 + GST	₹199 + GST	₹499 + GST	₹499 + GST
Interest rate	Same as your existing IDFC FIRST Bank Credit Card	Starting at 9% p.a.	Starting at 9% p.a.	Starting at 9% p.a.
Joining benefits	100% cashback up to ₹200 on first four UPI transactions done within fifteen days of card generation	₹250 cashback on first transaction of ₹250 or above at HPCL fuel stations 5% cashback up to ₹1000 on your first EMI payment	₹500 cashback on first transaction of ₹500 or above at HPCL fuel stations 5% cashback up to ₹1000 on first EMI	100% cashback up to ₹500 on your first UPI transaction done within 15 days of card creation through any UPI app 5% cashback up to ₹1000 on first EMI
Reward points	3X reward points on all UPI transactions greater than ₹2000 1X reward points on all UPI transactions less than ₹2000 1X reward points on all utility and insurance spends 100 reward points on UPI spends of every ₹5000 in a statement month for cards linked with FIRST SWYP Credit Card	2X reward points on all UPI transactions except for fuel, insurance, and EMI categories 21X reward points on fuel transactions done at HPCL-authorised fuel stations 15X reward points on IDFC FASTag recharge 15X reward points on grocery and utility	3X reward points on all UPI transactions except for fuel, insurance, and EMI categories 30X reward points on fuel transactions done at HPCL-authorised fuel stations 30X reward points on IDFC FASTag recharge 30X reward points on grocery and utility	NA
Cashback	NA	NA	NA	1% cashback on UPI spends on IDFC FIRST Bank App 0.5% cashback on other UPI apps, insurance, utility bills and all online spends
Lifestyle benefits	As per primary card	Complimentary Roadside Assistance worth ₹1,399	Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of ₹20,000 Complimentary Roadside Assistance worth ₹1,399 25% off on movie tickets up to ₹100, once every month	25% discount up to ₹100 on movie tickets purchased on the District app by Zomato, once a month Complimentary Roadside Assistance worth ₹1,399
EMI benefits	UPI transactions of ₹2500 or more are convertible to EMI	Purchases, transactions, and balances above ₹2500 are convertible to EMI	Purchases, transactions, and balances above ₹2500 are convertible to EMI	Purchases, transactions, and balances above ₹2500 are convertible to EMI

Wider acceptance -

You can now use your credit card to pay a larger network of merchants (60 million+) and physical stores that accept UPI payments.

Pay on credit -

Make UPI payments with interest-free credit for up to 45 days.

Enhanced safety –

All your transactions are now even safer thanks to the advanced security measures integrated by the National Payments Corporation of India.

Features of RuPay Credit Cards by IDFC FIRST Bank

Here’s a complete breakdown of the RuPay

How to get a RuPay Credit Card

Here is how you get a RuPay Credit Card on UPI from IDFC FIRST Bank.

FIRST EA₹N, FIRST Power, and FIRST Power+

To get these cards online, you can apply on the IDFC FIRST Bank website or Mobile Banking App. You can even go to the HPCL official website. For offline applications, simply visit a nearby IDFC FIRST Bank branch.

FIRST Digital Credit Card

- Click on the FIRST Digital Card banner in the Mobile Banking App

- Select your card against which FIRST Digital RuPay Credit Card is to be issued

- Enter OTP and there's your card

In conclusion

RuPay Credit Cards on UPI incredibly increase the efficiency and security of your transactions. Use an IDFC FIRST Bank Digital RuPay Credit Card to make payments with absolute ease. Apply today to enjoy the combined benefits of credit cards and UPI.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.