Best Credit Cards with UPI Rewards
IDFC FIRST Quantum+ Credit Card — zero annual fee with UPI rewards built in.
IDFC FIRST Quantum+ Credit Card leads our UPI rewards list at zero annual fee — a fixed-deposit-backed card, meaning approval is secured against an FD rather than a traditional income/CIBIL check, which is exactly why it clears the bar here despite a modest ₹15,000/month provisional income figure in our data.
Frequently asked questions
What does 'FD-backed' mean for approval?
The card is secured against a fixed deposit you open with IDFC FIRST Bank, so approval relies on the FD rather than a conventional income or credit-history check — useful if you're building credit from scratch.
Is there an annual fee?
No — Quantum+ has no joining or annual fee.
Does it offer any other rewards beyond UPI?
It also carries a cashback-priority tag in our data, though IDFC FIRST hasn't published a detailed rewards breakdown beyond what's listed here — check IDFC FIRST's own page for the current full rewards structure before applying.