Text size:
S M L
Letter spacing:

FinFIRST Blogs

Credit Card

Want to Build Your CIBIL Score? Here is How the Quantum+ Credit Card Can Help

Key Takeaways

A good CIBIL score starts with getting a credit card and using it responsibly.
The Quantum+ credit card gives you guaranteed approval with no income proof or credit history required.
Every on-time payment gets reported to CIBIL, helping you build a positive credit history from Day 1.
The Quantum+ credit is lifetime free, so building your credit score costs you nothing.

29 Jul 2026 by Team FinFIRST

Quantum+ Credit Card for building CIBIL score

Apply Now

Most people know that a good CIBIL score opens doors — to home loans, personal loans, premium credit cards, and better interest rates. What they do not always know is how to build one when they are just starting out.

The problem is circular. Banks want a credit history before they give you a card. But you cannot build a credit history without a card. The IDFC FIRST Bank Quantum+ Credit Card breaks that cycle. It is a lifetime free, FD-backed credit card that gives you guaranteed access to credit — and a real starting point for your CIBIL score.

Your guide to choosing the right credit card with no annual fee

Take a step to financial inclusion with an add-on credit card

What is a CIBIL Score and Why Does It Matter?

A CIBIL score is a three-digit number between 300 and 900 that reflects your creditworthiness. It is calculated by TransUnion CIBIL based on your credit history, repayment behaviour, credit utilisation, and the types of credit you have used.

A score of 750 and above is generally considered good. Banks and lenders use it to decide whether to approve your loan or credit card application, and at what interest rate. The higher your score, the better your chances of getting credit on favourable terms.

If you have never taken a loan or owned a credit card, your CIBIL score is either zero or listed as NH (No History). That is not a bad score — it just means you have not started yet.

Why is it Hard to Build a Credit Score from Scratch?

Here is the challenge most first-timers face. To get a credit card, banks typically ask for a salary slip, income proof, or an existing CIBIL score. But if you have never had a credit card or taken a loan, you have none of these.

This creates a cycle that is hard to break, especially if you are a student with no income, a homemaker without a salary slip, a freelancer with irregular earnings, or someone who has just started their first job.

The only way out is a credit product that does not require an existing credit history to get started. That is exactly where an FD-backed credit card like the Quantum+ Credit Card comes in.

How Does an FD-Backed Credit Card Help Build Your CIBIL Score?

An FD-backed credit card works like a regular credit card in every way that matters for your CIBIL score. Every transaction you make, every bill you pay, and every due date you meet gets reported to CIBIL.

The difference is in how you get approved. Instead of your income or credit score, your Fixed Deposit acts as security. The bank issues you a credit card with a limit equal to your FD value, and your FD continues to earn interest throughout.

Since approval is guaranteed, you do not need to wait until you have a salary or a credit history. You can start building your CIBIL score right away, from the very first month of card usage.

Why the Quantum+ Credit Card is a Good Starting Point

The Quantum+ Credit Card is designed specifically for people who are new to credit. Here is what makes it a practical first card:

Lifetime Free

Pay zero joining and annual fees, so you can start and continue your credit journey without worrying about recurring card charges.

Guaranteed Approval

You do not need income proof or credit history; your approval is guaranteed. Just open a Fixed Deposit, complete Video KYC and begin your credit journey with ease.

100% Credit Limit Against Your FD

Receive a credit limit equal to 100% of your Fixed Deposit value, while your FD continues to earn interest throughout the tenure.

Cashback from Day 1

Earn up to 2% cashback on eligible online spends, 1% cashback on offline transactions, and 1% cashback on UPI payments made via the IDFC FIRST Bank Mobile App. Cashback is credited directly to your credit card statement.

UPI-Ready

Link your card to the IDFC FIRST Bank Mobile App or supported UPI apps like PhonePe, Google Pay and Paytm to make secure, convenient UPI payments from day one.

Three Habits That Help Build Your Credit Score with Quantum+

Getting the card is the first step. What you do with it determines how fast your score grows.

Use your card regularly

Every transaction you make gets reported to CIBIL. The more consistently you use your card, the faster your credit history builds. You do not need to spend big — even small, regular purchases help.

Pay your bills on time

This is the single most important factor in your CIBIL score. Timely payments show lenders that you are a responsible borrower. Make it a habit to clear your dues before the due date, every single month.

Increase your credit limit as your needs grow

If you find yourself regularly approaching your credit limit, consider increasing your Fixed Deposit amount. Since the Quantum+ Credit Card offers a credit limit equal to 100% of your FD value, adding to your FD can increase your credit limit, giving you greater spending flexibility while your deposit continues to earn interest.

How Long Does It Take to Build a Good CIBIL Score?

There is no fixed timeline, but most financial experts suggest that six to twelve months of consistent, responsible credit card usage can help you establish a meaningful credit history.

Factors that speed up the process include paying bills on time every month, keeping utilisation low, and avoiding multiple credit applications in a short period.

The Quantum+ gives you a clean starting point. Use it regularly, pay on time, and your CIBIL score will reflect that over time.

Who Should Use the Quantum+ Credit Card to Build Their Credit Score?

The Quantum+ Credit Card is a practical option for anyone who needs guaranteed access to credit without the usual eligibility barriers.

Students

Start building your credit history early while enjoying the convenience of a credit card. the Quantum+ Credit Card can be a smart first step towards financial independence.

Homemakers

Manage your everyday spending with confidence while building a credit history in your own name. The Quantum+ Credit Card offers a simple way to access credit backed by a Fixed Deposit.

First Jobbers

Kick-start your credit journey from your very first job. Responsible card usage today can help you build a strong credit profile for future financial goals.

Freelancers

Whether your income varies from month to month or you're building your independent career, the Quantum+ Credit Card offers a convenient way to access credit against a Fixed Deposit while strengthening your credit history.

Frequently Asked Questions

Does using the Quantum+ Credit Card help improve my CIBIL score?

Every on-time payment you make on your Quantum+ Credit Card gets reported to CIBIL. Consistent usage and timely repayments over time help build and improve your credit score. It works like any standard credit card in terms of credit reporting.

How long does it take to build a CIBIL score with the Quantum+ Card?

Most users start seeing a credit history established within six to twelve months of regular, responsible usage. Paying bills on time and keeping utilisation low are the two habits that matter most.

Can I get the Quantum+ Card if I have no CIBIL score?

Yes. The Quantum+ Credit Card does not require an existing CIBIL score. Approval is guaranteed against your Fixed Deposit, making it one of the most accessible credit cards for first-time users in India.

Is the Quantum+ Credit Card free to use?

Yes. There is no joining fee and no annual fee. The Quantum+ Credit Card is lifetime free, so building your credit score with this card costs you nothing.

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.