FIRST Digital RuPay Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC FIRST Bank
Network: RuPay | Tier: Entry
The FIRST Digital RuPay Credit Card is an Entry RuPay credit card issued by IDFC FIRST Bank, best suited for credit Card holders seeking a digital RuPay companion card. IDFC FIRST credit card offering rewards, lifestyle benefits and digital convenience. It carries a joining fee of Nil, with an interest rate of 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a.. Key benefits include Reward points, Lifestyle offers, Fuel surcharge waiver, and Digital features. Reward earnings work as follows: Rewards on UPI & digital spends. New cardholders get a welcome benefit of Instant virtual card benefits. On fees — Lounge access: Generally no lounge benefits; Foreign transaction markup: As per Primary Credit Card; Fuel surcharge: 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle. Applicants typically need digital-first approval to qualify. It falls under the Digital Rewards category on CreditCardHunt.
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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 — a genuine plus for anyone eyeing this entry card.
- Flexible usage — a real advantage for credit Card holders seeking a digital RuPay companion card.
Drawbacks of the FIRST Digital RuPay Credit Card
- Benefits vary by card variant — worth weighing before you apply.
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.
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- RuPay Credit Card on UPI — circulars and guidelines — National Payments Corporation of India (NPCI)
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Expert Rating: 4.1/5 (Credit Card Hunt editorial score)