rewards
IDFC FIRST Digital RuPay Credit Card
A virtual RuPay companion card that adds credit-card-on-UPI functionality to eligible existing IDFC FIRST credit cards.
Annual Fee
₹199+GST joining + ₹199+GST annual; complimentary with selected cards including WOW! Black, Gaj and Business Multiplier
Rewards
3X on UPI transactions above ₹2,000; 1X on UPI ≤₹2,000 and utility/insurance spends
Lounge Access
Inherits no independent lounge programme
Fuel Waiver
No independent benefit; underlying primary-card terms apply where relevant
Milestone
None
Best For
Existing IDFC FIRST cardholders wanting RuPay UPI functionality
Welcome Offer
Limited-period 100% cashback up to ₹200 across first four UPI transactions within 15 days, where joining fee applies
Type
Rewards
Description
FIRST Digital RuPay is not really a separate primary credit-card product. It is a digital-only RuPay companion card linked to an eligible IDFC FIRST primary card, sharing the underlying credit limit and reward account. It earns 3X rewards on UPI purchases above ₹2,000 and 1X on UPI purchases up to ₹2,000 plus utility and insurance payments. Standard pricing is ₹199+GST as joining and annual fee, although it is complimentary with selected products such as WOW! Black, Gaj and Business Multiplier. For CCB, I would either place it in a clearly labelled “Companion/Virtual Card” category or omit it from normal card comparisons.
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Union Bank of India Sparsh Credit Card
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