FIRST Digital RuPay Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC First Bank
Network: RuPay | Tier: Entry
IDFC FIRST credit card offering rewards, lifestyle benefits and digital convenience.
Why Choose the FIRST Digital RuPay Credit Card?
The FIRST Digital RuPay Credit Card is a Entry-tier RuPay credit card issued by IDFC First Bank, rated 4.1/5 by the Credit Card Hunt editorial team. It is best suited for Credit Card holders seeking a digital RuPay companion card. With a reward rate of Rewards on UPI & digital spends and an annual fee of Nil, it ranks among the popular Digital Rewards cards in India in 2026.
New cardholders are welcomed with Instant virtual card benefits, which adds immediate value in the first year.
FIRST Digital RuPay Credit Card Fees & Charges
| Annual Fee | Nil |
|---|---|
| Joining Fee | Nil |
| Interest Rate | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | As per Primary Credit Card |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
FIRST Digital RuPay Credit Card Rewards & Benefits
| Reward Rate | Rewards on UPI & digital spends |
|---|---|
| Welcome Bonus | Instant virtual card benefits |
| Lounge Access | Generally no lounge benefits |
| Best For | Credit Card holders seeking a digital RuPay companion card |
Key Highlights of the FIRST Digital RuPay Credit Card
- Reward points
- Lifestyle offers
- Fuel surcharge waiver
- Digital features"
FIRST Digital RuPay Credit Card Eligibility Criteria
- Age 18+
- Good credit score
- As per bank eligibility"
Minimum Income Required: Digital-first approval
Advantages of the FIRST Digital RuPay Credit Card
- Competitive benefits
- Flexible usage"
Drawbacks of the FIRST Digital RuPay Credit Card
- Benefits vary by card variant
FIRST Digital RuPay Credit Card — Frequently Asked Questions
What is the annual fee of the FIRST Digital RuPay Credit Card?
The FIRST Digital RuPay Credit Card has an annual fee of Nil and a joining fee of Nil. New cardholders receive Instant virtual card benefits as a welcome benefit, which helps offset the joining cost.
Does the FIRST Digital RuPay Credit Card offer airport lounge access?
Yes — the FIRST Digital RuPay Credit Card offers Generally no lounge benefits.
Who is eligible for the FIRST Digital RuPay Credit Card?
The minimum income requirement is Digital-first approval. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the FIRST Digital RuPay Credit Card?
The FIRST Digital RuPay Credit Card earns Rewards on UPI & digital spends. It is best suited for Credit Card holders seeking a digital RuPay companion card.
Expert Rating: 4.1/5