IDFC still working using Firstap RuPay variant (this is your 2nd debit card).
Use on Phonepe app no extra charges for RuPay and all merchant names eligible only on RuPay. Visa user get 99.99% times 6012 MCC Code and also conv fee. So use IDFC RuPay
Note - reward points + 10x rewards depend on your Account variant - normal, Select, Wealth and Private account + you will also get one more time welcome rewards using Firstap first trxn 1.5k+.