IDFC
IDFC FIRST Quantum Plus Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹230 Rewards
Top Benefits
Earn Up to 2% Cashback on Online Spends
1% on online spends up to ₹10,000 in a statement cycle and 2% on everything you spend above that
Start With a Fixed Deposit of Just ₹10,000
credit limit is 100% of your FD value, and you can raise it any time by linking or booking another FD, With No Income Proof or Credit History and Keep Earning Up to 6.5% Interest on Your FD
Best For
Shopping
Travel
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
18-80 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 1% cashback on online spends up to ₹10,000 in a statement cycle and 2% on incremental online spends above ₹10,000
- 1% cashback on UPI Scan & Pay through the IDFC FIRST Bank Mobile App
- 1% bonus cashback on flight and hotel bookings made in the app
- Keep Earning Up to 6.5% Interest on Your FD
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
To check redemption catalogue
N/A
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
ATM Cash Withdrawal
EMI
UPI (Third Party)
Utility Bills
Rent
Jewellery
Wallet Load
Insurance
Government Services
For Spends Waiver
ATM Cash Withdrawal
EMI
UPI (Third Party)
Utility Bills
Rent
Jewellery
Wallet Load
Insurance
Government Services
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency, including dynamic and static currency conversion transactions | 3.5% |
APR Fees Finance charges of 3.85% per month 46.2% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.85% |
ATM withdrawal A flat fee of ₹199 plus applicable GST is charged per cash withdrawal using the credit card | ₹199 |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal, subject to a minimum of ₹500 | 2% |
Cash Payment Fees This fee is not applicable for this card | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹750 |
| ₹5,001 – ₹8,000 | ₹1200 |
| ₹8,001 – ₹10,000 | ₹1300 |
| Above ₹10,000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹230 Rewards
Top Benefits
Earn Up to 2% Cashback on Online Spends
1% on online spends up to ₹10,000 in a statement cycle and 2% on everything you spend above that
Start With a Fixed Deposit of Just ₹10,000
credit limit is 100% of your FD value, and you can raise it any time by linking or booking another FD, With No Income Proof or Credit History and Keep Earning Up to 6.5% Interest on Your FD
The smartest way to find your great credit card
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