Card Image
FIRST Digital RuPay
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.17
Normalized to balance base rate with bonus categories
Interest Rate
9.00%
Credit Score
650+
At a Glance
Key Benefits
Lifetime free, 9% APR, RuPay benefits, UPI-linked
Lounge Access
RuPay railway lounge access
Eligibility
Salaried: Rs.20,000+/month, Age: 21-60, CIBIL: 650+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
9.00% p.a.
#3
Forex Markup
3.50%
#75
Rewards/₹100
₹0.17
#297
Reward Type Reward Points
Reward Currency Points
Min Credit Score
650+
#13
Min Monthly Income ₹20
Network RUPAY
Cash Advance Fee 2.50% (min ₹300)
Late Payment Fee ₹500
Reward Structure
Base
All Spends
₹0.17 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Quick Analysis
The FIRST Digital RuPay is a straightforward lifetime free credit card from IDFC First Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Frequently Asked Questions
What is the annual fee for FIRST Digital RuPay?
No, it is a lifetime free card.
Is there a joining fee for FIRST Digital RuPay?
No, there is no joining fee.
What rewards does FIRST Digital RuPay offer?
You can earn rewards worth up to ₹0.17 per ₹100 spent. The base reward rate is ₹0.17 per ₹100.
Does FIRST Digital RuPay offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for FIRST Digital RuPay?
To apply for FIRST Digital RuPay, you need minimum age of 21 years, minimum monthly income of ₹20000, credit score of 650+.
User Reviews
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Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.