cashback
IDFC FIRST Quantum+ Credit Card
A lifetime-free secured cashback card with UPI support and a low ₹10,000 minimum fixed deposit.
Annual Fee
Lifetime Free — NIL joining and annual fee
Rewards
1% cashback on online spends up to ₹10,000/cycle; 2% on incremental online spends above ₹10,000; 1% on IDFC FIRST app UPI; 1% in-store; 0.5% on select categories
Lounge Access
None confirmed
Fuel Waiver
None confirmed
Milestone
Online spends above ₹10,000/cycle unlock 2% cashback on the incremental amount
Best For
New-to-credit users wanting cashback, UPI and an FD-backed card
Welcome Offer
Not confirmed
Type
Cashback
Description
The IDFC FIRST Quantum+ is a lifetime-free FD-backed credit card available against a fixed deposit starting at ₹10,000, with the credit limit equal to 100% of the FD value. It earns 1% cashback on online spends up to ₹10,000 per statement cycle and 2% on incremental online spends beyond ₹10,000, plus 1% on UPI Scan & Pay through the IDFC FIRST Bank app and in-store purchases. Select categories such as utilities, rent, insurance, jewellery, wallet loads and government services earn 0.5%. An additional 1% bonus applies to eligible hotel and flight bookings through the bank app, while total cashback is capped at ₹500 per statement cycle.
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