IDFC FIRST Quantum+
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Quantum+ is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
CardIQ editorial view
Our take
IDFC FIRST Quantum+ is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise shopping rewards.
- Applicants comfortable backing the card with the issuer's required fixed deposit.
Key strengths
- 1% on eligible online spend up to ₹10,000 per cycle; 2% on incremental online spend above ₹10,000.
Trade-offs to understand
- Combined cashback capped at ₹500 per statement cycle.
- 1% on eligible in-store and IDFC-app UPI purchases; 0.5% on specified essential categories. No cashback on other UPI apps, EMI or cash withdrawals.
- Requires a fixed deposit of at least ₹5,000; 0% foreign-currency markup.
CardIQ verdict
Consider it when the fixed-deposit route is useful to you; compare the deposit requirement and exit conditions before applying.
Compare before deciding
- IDFC FIRST Hello Cashback — A higher-fee option to compare for broader benefits around shopping rewards and international spending.
- Amazon Pay ICICI Bank Credit Card — A similarly priced alternative for comparing shopping rewards and online spending.
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Benefits, limits and conditions
- Combined cashback capped at ₹500 per statement cycle.
- 1% on eligible in-store and IDFC-app UPI purchases; 0.5% on specified essential categories. No cashback on other UPI apps, EMI or cash withdrawals.
- Requires a fixed deposit of at least ₹5,000; 0% foreign-currency markup.