M16S / IDFC First Bank / IDFC Quantum+ Credit Card
entry · secured, cashback, lifetime-free, upi
IDFC Quantum+ Credit Card
The IDFC Quantum+ Credit Card charges no annual fee and no joining fee. Its base return is 1% (1% on in-store spends and on UPI via the bank app). 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
- Free
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 0%
- Interest
- 3.85%a month
Apply on idfcfirst.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free, FD-backed (issuer listing). |
Rewards
| Reward currency | Cashback |
|---|---|
| Base earnunverified | 1% on in-store spends and on UPI via the bank app |
| Base return | 1% |
| Point value | Cashback in rupees |
| Accelerated earnunverified | Up to 2% on online spends (aggregator is inconsistent on whether 2% applies above or below Rs 10,000 per cycle) |
| Caps | Not confirmed |
| Reward notes | Issuer listing: 'up to 2% cashback on everyday spends; 1% cashback on UPI via the app'. base_return_pct = 1%. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 0% |
Charges and eligibility
| Interest per monthunverified | 3.85% |
|---|---|
| Late payment feeunverified | 15% of total amount due, min Rs 100, max Rs 1,300 |
| Cash advance fee | Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal |
| Eligibilityunverified | Age 18-80; FD of Rs 10,000 or more (aggregator) |
| Fine-print notes | Dedicated issuer page not read. |
Questions
- What is the annual fee of the IDFC Quantum+ Credit Card?
- No annual fee.
- Does the IDFC Quantum+ Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the IDFC Quantum+ Credit Card?
- 0% of each foreign-currency transaction, before GST.