Credit Card Compare

FIRST Digital RuPay Credit Card

Data last updated 25 October 2026
43.80%
Purchase rate
₹199
Annual fee
45 days
Interest-free

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Application

CardIQ

24Basic

Basic

Overall score, out of 100 · How this works

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Customer reviews

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Pros & cons

What's good

  • The 43.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • No fee to add an additional cardholder.

Worth noting

  • Joining Fee ₹199 + GST; Annual Fee ₹199 + GST from 2nd year. GST at 18% is applicable on all fees. No waiver mentioned for this card variant.
  • No balance transfer or introductory purchase offer.
  • Up to 45 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
RuPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IDFC FIRST Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
Undisclosed
Purchases
43.80% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹199 p.a.
Annual fee (year 2+)
₹199 p.a.
Cash advance fee
—
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
MAD is computed as the sum of EMI + Interest (Finance charges) + Fees, Other charges & taxes + amount utilised over the limit (if any) + 2% of the Principal balance outstanding (comprising of Purchases, Cash & Balance Transfer).

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Earn rate
—
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate43.80%Top 25% (11th of 91 cards)
Annual fee₹199 a yearTop 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Interest-free days45 daysNot as good as most cards (61st of 73 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
IDFC FIRST Bank