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yes.. just convinience.. if points were same as wealth card.. would have been a decent option for upi usageInteresting. I didn't try it but T&C which I could find, below. Also it is not free, ₹199+GST is annual fees
IDFC FIRST Bank Digital RuPay Credit Card terms and conditions -
- FIRST Digital RuPay Credit Card will be issued as virtual only card against a primary credit card (existing credit card account) and no physical card will be sent.
- The credit limit for the FIRST Digital RuPay Credit Card will be same as credit limit of the primary credit card and will be shared between the two cards.
- No cash withdrawal limit shall be available on FIRST Digital RuPay Credit Card.
- No add-on credit card can be issued against FIRST Digital RuPay Credit Card.
- Primary Credit Card Privileges -
Privileges (as mentioned above) applicable on the primary credit card (existing credit card account) if active will not be available on FIRST Digital RuPay Credit Card unless communicated otherwise by IDFC FIRST Bank.
- Fuel surcharge waiver
- Complimentary Airport and Railway lounge access
- Spa access
- Golf Visits
- Movie Tickets & Dining Offers
- Road-Side Assistance benefits
- Insurance benefits
- and more.
- Single bill statement shall be generated for primary credit card and FIRST Digital RuPay Credit Card with Minimum Amount Due (MAD) and Total Amount Due (TAD) with due date as applicable.
- Non-repayment of outstanding shall lead to applicable charges in-line with the Most Important Terms and Conditions (MITC) for credit cards.
- Reward points earned for UPI transactions will be as per the FIRST Digital RuPay Credit Card reward structure and will be added to primary credit card rewards points.
- The reward redemption norms shall be applicable as per the existing Credit card guidelines.
- For respective primary credit card, Terms and Conditions in the Most Important Terms & Conditions (MITC) document & Card Member Agreement (CMA) for credit cards, shall be applicable.
- IDFC FIRST Bank Limited reserves the rights to change the features/benefits of the FIRST Digital RuPay Credit Card, without any notice and without any reason whatsoever.
not bad actually if linked to wealth.. you generally have v kow reward rates in free cards.. 199 is not bad if u use well on upiIts a waste card considering other banks are giving Rupay digital card as free of charge.
so 0.25 to 0.75% reward rate on UPI.. low but not bad for rupay..IDFC First bank Virtual RuPay CC is best for IDFC bank sales 10% discount offers on Amazon/Flipkart etc.
Also welcome offer 100% upto Rs200 cashback on UPI spend (Max Rs50 per transaction for first 4 transactions).
UPI spend Reward rate -
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Bad after paying the fees. Also, you'll have to pay redemption fee as well.so 0.25 to 0.75% reward rate on UPI.. low but not bad for rupay..
yeah.. but points will merge with Wealth points... and one rupay card for upi is needed.Bad after paying the fees. Also, you'll have to pay redemption fee as well.
It’s not one time 199/- every year we’ve to pay 199/-yeah.. but points will merge with Wealth points... and one rupay card for upi is needed.
lets see... definitely not worth 199.p. a
Welcome offer available 100% upto 50 cashback for first 4 UPI transactions (total Rs200 cashback).It’s not one time 199/- every year we’ve to pay 199/-
Until our Visa card expires this rupay will be in virtual mode only
You will get 100% Cashback upto Rs50 fir first 4 transaction (total Rs200 cashback)Anybody got it for free?
Cashback is only for first year. Right?You will get 100% Cashback upto Rs50 fir first 4 transaction (total Rs200 cashback)
Additionally, IDFC almost every month offer CC UPI spend based offers.