M16S / IDFC First Bank / IDFC FIRST Digital RuPay (virtual UPI card)
entry · upi, rewards
IDFC FIRST Digital RuPay (virtual UPI card)
The IDFC FIRST Digital RuPay (virtual UPI card) costs Rs 199 a year. It earns 1X on UPI spends of Rs 2,000 or less and on insurance, utility, FASTag and railway spends. Accelerated earn: 3X on UPI spends above Rs 2,000. The forex markup is 0%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 199+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- 0%
- Interest
- —
Apply on idfcfirst.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 199 |
|---|---|
| Annual fee | Rs 199 |
| Fee notes | Rs 199 + GST joining and Rs 199 + GST a year from year 2. Issued as a companion to an existing IDFC FIRST card and shares its limit. |
Rewards
| Welcome benefit | 100% cashback up to Rs 200 (Rs 50 each on first 4 UPI transactions), limited period |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1X on UPI spends of Rs 2,000 or less and on insurance, utility, FASTag and railway spends |
| Point valueunverified | 1 point = Rs 0.25 (as on the parent card) |
| Accelerated earnunverified | 3X on UPI spends above Rs 2,000 |
| Reward notes | Earn unit follows the parent card. base_return_pct not computed. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markupunverified | 0% |
Charges and eligibility
| Late payment feeunverified | 15% of total amount due, min Rs 100, max Rs 1,300 |
|---|---|
| Fine-print notes | Virtual card; replacement fee nil. Earn rates from Card Insider's summary; fee and welcome offer from issuer card pages. |
Questions
- What is the annual fee of the IDFC FIRST Digital RuPay (virtual UPI card)?
- Rs 199 a year, before GST.
- Does the IDFC FIRST Digital RuPay (virtual UPI card) give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the IDFC FIRST Digital RuPay (virtual UPI card)?
- 0% of each foreign-currency transaction, before GST.