IDFC FIRST Quantum+ Credit Card
IDFC FIRST Bank
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 600+
Estimated — not officially confirmed by the bank.
Secured card requiring a fixed deposit of Rs 10,000 as collateral; positioned for individuals building credit history or those ineligible for unsecured cards
Lounge access
0 domestic / 0 international visits per year
Reward details
1% UPI cashback via the IDFC FIRST app
- Up to 2% cashback on Online purchases above Rs 10,000/month
- 1% bonus on Travel bookings
- 0.5% on Utilities, rent, insurance
Redemption
Caps: Total cashback across all eligible categories capped at Rs 500 per statement cycle
- Personal accident cover Rs 2,00,000
- Lost card liability cover Rs 25,000
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Lifetime-free status appeals to credit-builders; reasonable online cashback rates — Paisabazaar
Complaints
- The Rs 500 monthly cashback cap significantly limits rewards value — Paisabazaar
- Lacks travel perks despite otherwise competitive positioning — Paisabazaar
Sources
- Official — confirmed lifetime-free, FD-backed, 'guaranteed approval' positioning only; JS-rendered page did not return full detail content
- Aggregator — fees, rewards, sentiment