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

Summary: Credit card-linked UPI is incredibly useful, and the convenience it brings is undeniable. However, the limitations posed by certain credit card types can be frustrating. As an IDFC FIRST Bank Credit Card customer, you can bypass these challenges. Here’s how.

11 Mar 2024 by Team FinFIRST

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Credit card-linked UPI and its ability to scan and pay using credit cards is truly impressive. However, it can be frustrating when certain limitations arise. One such hurdle is obtaining a RuPay credit card, which is subject to meeting various eligibility criteria. If you have a non-RuPay credit card, the situation is even more challenging, as using it with UPI is next to impossible.

If you are an IDFC FIRST Bank Credit Card customer, you're in luck. The bank offers a unique solution that allows you to enjoy the benefits of a RuPay credit card. It's called the FIRST Digital RuPay Credit Card, and it is a game-changer for customers seeking a seamless UPI payment experience.

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Are RuPay Credit Cards worth it? Discover their major benefits

The beauty of this virtual RuPay credit card is that there is no need for any additional documentation or approvals. If you already have a regular IDFC FIRST Bank Credit Card, you can simply opt for it and receive a virtual RuPay version instantly. It's all linked to the same credit card account, which means the rewards you earn, whether through the RuPay or non-RuPay route, will be consolidated into one place.

FIRST Digital RuPay Credit Card - A digital marvel

With this virtual RuPay version of your IDFC FIRST Bank Credit Card, you can take advantage of the seamless UPI payment experience and earn rewards, all the while maintaining the same credit limit and benefits as your regular non-RuPay credit card.

Get the convenience of UPI + rewards of credit cards
No more struggling with physical cards, OTPs or CVV numbers while making payments
Scan from across 60 million+ merchant QR codes
Enjoy 100% cashback up to ₹50 on the first 4 UPI transactions
Earn up to 3X rewards on every UPI transaction
Get the virtual RuPay Credit Card issued instantly

How IDFC FIRST Bank makes it easy

Activating the FIRST Digital RuPay Credit Card is a breeze. If you are not an existing IDFC FIRST Credit Card holder, here’s how to get a UPI-linked credit card:

Click Apply Now
Complete your verification through the OTP sent to your mobile number
Fill out the digital form with all your details
Give consent to activate UPI on your IDFC FIRST Bank Credit Card and pay the joining fee of ₹199 (annual fee of ₹199 from the 2^nd year onwards)
Complete your online application by giving your consent to proceed.
Your IDFC FIRST Bank Credit Card will delivered within 4-5 working days and your FIRST Digital RuPay Credit Card will be generated instantly on the IDFC FIRST Mobile Banking App.

You’ll receive your virtual RuPay Credit Card instantly which can be linked to your UPI app.

Key advantages of the IDFC FIRST Digital RuPay Credit Card

Linking your IDFC FIRST Digital RuPay Credit Card to UPI unlocks several benefits. For starters, it makes shopping and payments super convenient. No more swiping cards or entering card details – just scan a QR code and pay in a jiffy.

Here are the other advantages of opting for the IDFC FIRST Digital RuPay Credit Card:

Earn unlimited rewards -

Every time you make a UPI payment over ₹2000, you earn 3X the usual reward points. For smaller spends below ₹2000, you earn 1X points. This means you can rack up rewards faster on the smallest of payments and splurges alike.

The best part? These rewards are added to your existing credit card account and never expire. This means you accumulate reward points from both your RuPay and non-RuPay IDFC FIRST Bank Credit Card. These points are as good as cash and can be redeemed whenever you like.

Introductory offer -

For your first 4 UPI transactions with the linked card, get 100% cashback up to ₹50 per transaction. That’s a total of ₹200 cashback just for switching to UPI payments.
Convert UPI spends into easy EMIs -

If you need flexibility in repaying larger UPI spends, IDFC FIRST Bank allows you to convert them into affordable EMIs. This provides peace of mind and lets you pay at your own pace.
Huge merchant network -

IDFC FIRST Bank's UPI facility allows you to scan QR codes at over 60 million merchants, whether you are shopping online or in stores. You can pay directly with your credit card wherever you see the UPI QR code.
Fully digital experience -

IDFC FIRST Bank's FIRST Digital RuPay Credit Card offers a seamless digital experience. This virtual card is linked to your existing credit limit, so you get the same benefits without the hassle of a physical card. Track and manage your payments on the go via the IDFC FIRST Mobile Banking app.

Additional advantages

Beyond rewards and an easy process, here are a few more reasons to love IDFC FIRST Bank’s UPI credit card:

Free credit period of up to 45 days on UPI spends
No hidden charges - only a nominal joining and annual fee
24X7 customer support for any queries
Track all your spending, limits, statements, and payments through mobile banking or Netbanking

Multiply the benefits today!

Now that you know the benefits, how it works, and see the advantages, it's time to act. Link your IDFC FIRST Bank Credit Card with UPI today!

IDFC FIRST Bank makes it easier and affordable for non-RuPay Credit Card users to benefit from UPI credit card payments. Not only that, it’s rewarding too! Enjoy all the benefits of an IDFC FIRST Credit Card, RuPay offers and the convenience of UPI payments - it's a win-win you don't want to miss out on.

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.