IDFC FIRST Quantum+ Credit Card

IDFC FIRST Bank · Lifetime free

A lifetime free starter card against a fixed deposit.

Base rate: 0.5% cashback.

What the bank says

• Lifetime free, against a fixed deposit from ₹5,000
• 1% cashback on your first ₹10,000 online a month
• 1% on UPI through the IDFC FIRST app; 0.5% on the rest
• Zero foreign currency markup

Where it pays more

• 1% on your first ₹10,000 of online spends a month
• 1% on UPI through the IDFC FIRST app

Things that catch people out

• Total cashback is capped at ₹500 a month.

Joining fee: ₹0. Foreign currency markup: 0%.

Read from IDFC FIRST Bank’s own page on 2026-09-16.

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