IDFC

IDFC FIRST Quantum Plus Credit Card

Apply for IDFC FIRST Quantum+ Credit Card lifetime free, FD-backed from ₹10,000, with up to 2% cashback on online spends and 1% on UPI Scan & Pay

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Issued by

IDFC

IDFC FIRST Quantum Plus Credit Card image
Joining FeeFree
Annual FeeFree
Income₹25000
Credit Score720

Key Highlights

Shopping

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

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

UPI

Earn 1% Cashback on UPI Scan & Pay

with your card at over 60 million merchants through the IDFC FIRST Bank Mobile App

Travel

Get 1% Bonus Cashback on Flight and Hotel Bookings

Book through the IDFC FIRST Bank Mobile App and this stacks on your online rate, taking you up to 3%

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

Eligibility

Age Criteria18-80
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetNot Applicable
Annual FeeFree
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹10000

Rewards & Redemption

Reward ConversionN/A
Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement

Earning ExclusionsATM Cash Withdrawal, EMI, UPI (Third Party), Rent, Jewellery, Wallet Load, Government Services
Spend ExclusionsATM Cash Withdrawal, EMI, UPI (Third Party), Rent, Jewellery, Wallet Load, Government Services

Benefits

All 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

Flight Benefits

  • 1% bonus cashback on flight and hotel bookings made through the IDFC FIRST Bank Mobile App

Insurance Benefits

  • Personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000 against fraudulent use of a lost or stolen card

Bank Offer

  • 1% cashback on UPI Scan & Pay at 60 million+ merchants via the IDFC FIRST Bank Mobile App

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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