Base reward rate: 1% cashback on UPI spends via IDFC FIRST Bank app, up to 8% on travel bookings.
Redemption options: Gift Vouchers, Cashback and Credit, Offline and Online Redemptions
Fees & Charges
Joining fee: 0
Annual fee: 499
Pros
8% bonus cashback on hotel bookings through ‘Travel and Shop’
4% bonus cashback on flight bookings through ‘Travel and Shop’
Accelerated cashback on UPI spends made via IDFC FIRST Bank app
Up to Rs. 1,200 discount on movie tickets per year through District by Zomato
Welcome benefits worth Rs. 1,250
Earns rewards on insurance premium payments (0.5% rate)
Earns rewards on utility bill payments (0.5% rate)
Cons
Complete absence of complimentary domestic airport or railway lounge access, a benefit that is reasonably expected and offered by some competing cards in the sub-₹500 fee segment.
The high 1% UPI cashback is exclusively for payments made via the IDFC FIRST Bank app; spends via popular third-party apps like GPay or PhonePe earn a very low 0.5%.
Accelerated travel rewards are strictly limited to the bank's proprietary 'Travel and Shop' portal, preventing users from comparing prices on other travel aggregator sites.
The cashback rate on key categories like utility bills, insurance, and wallet loads is capped at a low 0.5%.
Best Use Case
Consumers who frequently use UPI via the IDFC FIRST Bank app and book travel through the bank's portal.