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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
IDFC FIRST · RuPay

FIRST Digital RuPay Credit Card

Best forInsurance & Utilities
Earns1 RP/₹150 on insurance
1st Year / Joining Fee
₹199 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on insurance and utilities, where it earns 1 RP/₹150

How you earn

Reward rates at a glance — exactly as recorded for this card.

Insurance1 RP/₹150
Utilities1 RP/₹150
Groceries1 RP/₹150
Dining1 RP/₹150
Food Delivery1 RP/₹150
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNot a good fit—1 RP / ₹150 on rent (MCC 6513)
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 on rent (MCC 6513). 1% fee + 18% GST (min ₹249 floor) per FR-IDFC-07-RENT → net-negative return (-1.09% approx). DO_NOT_RECOMMEND per fiduciary protection.
EducationNot a good fit—1 RP / ₹150 on education
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 on education. 1% fee + 18% GST (min ₹249 floor) on third-party apps (CH02) makes net return negative. Direct school/college portals (CH01) incur ₹0 fee. DO_NOT_RECOMMEND on CH02.
Insurance1 RP/₹150—1 RP / ₹150 (1X) on insurance spends
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) on insurance spends. Capped within shared credit limit.
Utilities1 RP/₹150—1 RP / ₹150 (1X) on utilities
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) on utilities; 1% fee + 18% GST on monthly aggregate above ₹20,000.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel transactions explicitly excluded from reward points. 1% surcharge waiver for txns ₹200–₹5,000, max ₹200/mo. GST on surcharge is not waived.
Groceries1 RP/₹150—1 RP / ₹150 (1X) base rate
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) base rate; 3 RP / ₹150 (3X) on a single UPI transaction above ₹2,000 (per-transaction condition COND-IDFC-07-UPI-GT2K, applied only when transaction-level amounts are supplied).
Dining1 RP/₹150—1 RP / ₹150 (1X) base rate
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) base rate; 3 RP / ₹150 (3X) on a single UPI transaction above ₹2,000 (per-transaction condition COND-IDFC-07-UPI-GT2K, applied only when transaction-level amounts are supplied).
Food Delivery1 RP/₹150—1 RP / ₹150 (1X) base rate
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) base rate; 3 RP / ₹150 (3X) on a single UPI transaction above ₹2,000 (per-transaction condition COND-IDFC-07-UPI-GT2K, applied only when transaction-level amounts are supplied).
Shopping1 RP/₹150—1 RP / ₹150 (1X) base rate
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) base rate; 3 RP / ₹150 (3X) on a single UPI transaction above ₹2,000 (per-transaction condition COND-IDFC-07-UPI-GT2K, applied only when transaction-level amounts are supplied).
Travel1 RP/₹150—1 RP / ₹150 (1X) base rate
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) base rate; 3 RP / ₹150 (3X) on a single UPI transaction above ₹2,000 (per-transaction condition COND-IDFC-07-UPI-GT2K, applied only when transaction-level amounts are supplied).
Government1 RP/₹150—1 RP / ₹150 (1X) on government spends (MCC 9399, 9311)
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) on government spends (MCC 9399, 9311). Capped within shared credit limit.
Wallet1 RP/₹150—1 RP / ₹150 (1X) on wallet load transactions (MCC 6540)
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) on wallet load transactions (MCC 6540).
Railways1 RP/₹150—1 RP / ₹150 (1X) on railway transactions
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) on railway transactions; 1% fee if aggregate railway spend exceeds ₹25,000 per statement cycle.
FASTag1 RP/₹150—1 RP / ₹150 (1X) on FASTag recharges
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) on FASTag recharges; 1% fee if aggregate FASTag spend exceeds ₹10,000 per statement cycle.
Jewellery1 RP/₹150—1 RP / ₹150 (1X) base rate on jewellery spends
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) base rate on jewellery spends.
Telecom1 RP/₹150—1 RP / ₹150 (1X) on telecom and network service spends
Details
Status
Verified
Source
SRC-IDFC-UPI-GUIDE
Issuer note
1 RP / ₹150 (1X) on telecom and network service spends.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹199 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
  • Fuel — ₹200 / month (per category — Fuel)
Spending thresholds
  • Spend ₹5,000 per month → 100 Reward Points (worth ₹25 at ₹0.25/RP) for every ₹5,000 spent on UPI transactions within a statement month

Key benefits

Rewards
1 RP/₹150 on insurance
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹200 per month per CAP-IDFC-07-FUEL-WAIVER
Foreign-currency markup
3.5% foreign-currency markup — 3.5% forex markup on international transactions
Milestone benefit
100 Reward Points (worth ₹25 at ₹0.25/RP) for every ₹5,000 spent on UPI transactions within a statement month

Important to know

Limits and exclusions that change what you earn.

  • Fuel rewards are capped at ₹200 / month (per category — Fuel)
  • No reward on: Fuel
  • Not recommended for: Rent, Education
  • Spend ₹5,000 per month → 100 Reward Points (worth ₹25 at ₹0.25/RP) for every ₹5,000 spent on UPI transactions within a statement month

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in insurance, utilities, groceries
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You do not want to pay an annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 3 no-reward categories
Caps
  • Fuel — ₹200 / month (per category — Fuel)
Categories with no reward or not eligible
  • Rent — Not a good fit. 1 RP / ₹150 on rent (MCC 6513).
  • Education — Not a good fit. 1 RP / ₹150 on education.
  • Fuel — No reward.
Milestones · 1 recorded
  • Spend ₹5,000 per month — 100 Reward Points (worth ₹25 at ₹0.25/RP) for every ₹5,000 spent on UPI transactions within a statement month.
Eligibility

Subject to IDFC FIRST's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹200 per month per CAP-IDFC-07-FUEL-WAIVER. GST is not waived.
  • Foreign-currency markup: 3.5% foreign-currency markup — 3.5% forex markup on international transactions. GST on markup applies.
What DhanChakshu couldn't fully verify · 1 area

1 area needs further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-29

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-29

Documents used
Official UPI Credit Card Generic Product Guide; 3X >₹2,000, 1X ≤₹2,000, fuel/cash/EMI exclusions · SRC-IDFC-UPI-GUIDE
FIRST Digital RuPay Credit Card₹199 1st year