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IDFC First Quantum+ Credit Card
Everyday cashback, UPI, FD-backed credit buildingLIFETIME FREE

IDFC First Quantum+ Credit Card

IDFC FIRST Bank
✦1% online up to ₹10,000 statement-cycle online spend; 2% on incremental online spend above ₹10,000; 1% UPI Scan & Pay via IDFC FIRST Bank App; 1% in-store; 0.5% select categoriesRewards ◎3.5%Forex Markup ◈Up to 2% cashback; 1% UPI; 1% in-store; 0.5% select categoriesCashback
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KEY BENEFITS
✦
Rewards1% online up to ₹10,000 statement-cycle online spend; 2% on incremental online spend above ₹10,000; 1% UPI Scan & Pay via IDFC FIRST Bank App; 1% in-store; 0.5% select categories
◈
CashbackUp to 2% cashback; 1% UPI; 1% in-store; 0.5% select categories
◎
Forex Markup3.5%
REWARDS STRUCTURE

How you earn

Online Shopping0% value-back
Travel0% value-back
Dining0.5% value-back
Grocery0.5% value-back
UPI1% value-back
Other Spends1% value-back
Reward Rate1% online up to ₹10,000 statement-cycle online spend; 2% on incremental online spend above ₹10,000; 1% UPI Scan & Pay via IDFC FIRST Bank App; 1% in-store; 0.5% select categories
Headline CashbackUp to 2% cashback; 1% UPI; 1% in-store; 0.5% select categories
Reward Point Value₹1 cashback = ₹1
Reward/Cashback Cap₹500 total cashback/statement cycle
Minimum SpendFD minimum ₹10,000; online milestone ₹10,000
FEES & CHARGES

Cost of the card

Joining Fee₹0
Annual / Renewal Fee₹0
Fee WaiverLifetime Free
Finance Charge / APRCash withdrawal interest-free up to 45 days; purchase interest subject to current schedule
Foreign Currency Markup3.5%
✓ Lifetime FreeNo joining fee. No annual fee.
KEY BENEFITS & FEATURES

What you get

  • ✓ 100% of FD as credit limit; up to 6.5% FD interest; 1% bonus cashback on hotel/flight bookings via IDFC FIRST Bank App; 45-day interest-free cash withdrawal for ₹199+GST; ₹2 lakh personal accident cover; ₹25,000 lost-card fraud protection

Pros

  • ✓ Lifetime free; FD-backed; no credit history/income proof required; UPI-ready

Cons

  • • ₹500 statement-cycle cashback cap; third-party UPI excluded
ELIGIBILITY & DOCUMENTS

Who can apply?

Eligibility18+; resident of India; valid Aadhaar and PAN for VKYC; minimum FD ₹10,000
Documents RequiredValid Aadhaar and PAN for VKYC; create and maintain minimum ₹10,000 FD
IMPORTANT INFORMATION

Terms & extra benefits

Exclusions & Caps

EMI, ATM cash withdrawal, and UPI through third-party apps excluded from cashback

Insurance / Protection

₹2 lakh personal accident cover; lost-card fraud protection up to ₹25,000

FINDISHA VALUE CALCULATOR

What could this card be worth to you?

Enter typical monthly spending. This is an estimate based on the rates stored in the card profile and does not guarantee actual rewards.

Estimated yearly rewards₹0
Effective value-back0%
Estimated net value after annual fee₹0
Last verified: 2026-08-30 · Verify current issuer terms before applying.
IDFC First Quantum+ Credit CardIDFC FIRST Bank RuPay
1% online up to ₹10,000 statement-cycle online spend; 2% on incremental online spend above ₹10,000; 1% UPI Scan & Pay via IDFC FIRST Bank App; 1% in-store; 0.5% select categoriesRewards
3.5%Forex
Welcome
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IDFC First Quantum+ Credit Card
Annual fee: ₹0 · Rewards: 1% online up to ₹10,000 statement-cycle online spend; 2% on incremental online spend above ₹10,000; 1% UPI Scan & Pay via IDFC FIRST Bank App; 1% in-store; 0.5% select categories
Apply Now