IDFC Digital Rupee Credit Card: Ab UPI Ke Saath

Dosto, aaj hum baat karenge IDFC Digital Rupee Credit Card ke baare mein. IDFC ke is naye credit card mein ab aap UPI ke madhyam se bhi payments kar sakte hain. Is article mein hum dekhege ki ye kaise kaam karta hai, iski reward structure kya hai aur ismein aapko kya-kya benefits milte hain.

IDFC Digital Rupee Credit Card Overview:

IDFC ka Digital Rupee Credit Card ek digital card hai, jo sirf aapke assisting card ke saath hi available hai. Ye physical form mein nahi hota aur iska limit bhi aapke assisting credit card se liya jata hai. Ismein ab UPI payments bhi kiye ja sakte hain, jiska matlab hai ab aapko kisi aur platform ke liye switch nahi karna padega

Fees Structure:

  1. Joining Fee: ₹9 + Taxes
  2. Renewal Fee: ₹9 + Taxes (No reversal criteria)

Welcome Benefits:

  • First 4 transactions within the first 15 days offer up to 100% cashback, capped at ₹1,000.

Reward Structure:

  • 1X Reward Points on transactions below ₹1,000.
  • 3X Reward Points on transactions of ₹1,000 or more.
  • 1X Reward Points on utility payments (gas, electricity, water bills, and insurance).
  • No cashback on fuel and e-transactions.

Reward Structure Based on Assisting Credit Card:

IDFC Millenia or Classic Credit Card:

  • Below ₹2,000: 1 Reward Point
  • ₹2,000 and above: 3 Reward Points
  • Percentage-wise: 0.16% return on transactions below ₹2,000 and 0.5% return on transactions above ₹2,000.

IDFC Select Credit Card:

  • Below ₹2,000: 1 Reward Point
  • ₹2,000 and above: 3 Reward Points
  • Percentage-wise: 0.25% return on transactions below ₹2,000 and 0.75% return on transactions above ₹2,000.

IDFC Wealth Credit Card:

  • Below ₹2,000: 1 Reward Point
  • ₹2,000 and above: 3 Reward Points
  • Percentage-wise: 0.25% return on transactions below ₹2,000 and 0.75% return on transactions above ₹2,000.

Rate of Reward Ratio:

  • 1 Reward Point = 25 paise.

Milestone Benefits:

  • Unlike other IDFC assisting credit cards, there are no extra reward points for completing milestones or tasks.

Fore More

IDFC Digital Rupee Credit Card Review
UPI Payments with Credit Card
IDFC Credit Card Reward Structure
Digital Credit Card Benefits
Joining Fee and Renewal Fee Details
IDFC Digital Credit Card Welcome Benefits
Rate of Reward Ratio in Credit Cards
Milestone Benefits in Credit Cards


Table showing the reward structure based on the assisting credit card type:

Assisting Credit CardTransaction AmountReward PointsPercentage-wise Return
Millenia/ClassicBelow ₹2,00010.16%
Millenia/Classic₹2,000 and above30.5%
SelectBelow ₹2,00010.25%
Select₹2,000 and above30.75%
WealthBelow ₹2,00010.25%
Wealth₹2,000 and above30.75%

Conclusion:

IDFC Digital Rupee Credit Card ek digital yojna hai jo UPI payments ko aur bhi aasaan banati hai. Is credit card ka mukhya uddeshya UPI transactions ko badhava dena hai. Iska reward structure basic hai aur yeh transactions par ek fixed rate of return pradan karta hai. Jabki yeh UPI transactions ko saral banata hai, ismein traditional credit cards mein paye jaane waale aur adhik laabh aur suvidhaayein nahi hain.

Aakhir mein keh sakte hain ki IDFC Digital Rupee Credit Card ek digital addon card ke roop mein kaam karta hai jo vishesh roop se UPI payments ke liye banaya gaya hai. Iske reward structure mein ek nishchit dar par laabh pradan kiya jata hai. Traditional credit cards mein paye jaane waale anya laabh aur suvidhaaon ki kami hai.

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