IDFC FIRST Bank · Entry · lifetime free
Quantum+
Where it ranks across all 187 cards
#13 Fuel
1.0%
direct
#31 Education
1.0%
direct
#61 Gaming
1.0%
direct
#66 Mobile / broadband
1.0%
direct
#73 Train tickets
1.0%
direct
#77 Cabs & transit
1.0%
direct
#81 Other
1.0%
direct
#82 Health & pharmacy
1.0%
direct
#85 Electronics
1.0%
direct
#93 Hotels
1.0%
direct
portal reaches 2.0%
#94 Online shopping
1.0%
direct
#94 Flights
1.0%
direct
portal reaches 2.0%
#95 Food delivery
1.0%
direct
#95 Fashion
1.0%
direct
#96 Movies & events
1.0%
direct
#98 Groceries
1.0%
direct
#105 Dining out
1.0%
direct
#43 Wallet load
0.5%
direct
#63 Insurance
0.5%
direct
#74 Utility bills
0.5%
direct
#94 Jewellery & watches
0.5%
direct
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Reward rules3 direct
Base rate - everything not covered below
0.00%base rate
0% cashback
source
Source: IDFC FIRST Quantum+ Credit Card - idfcfirst.bank.in - read 30 Sep 2026
0.5% cashback on select categories (utility, wallet, insurance, jewellery, govt, rent)
0.50%this rule
0.5% cashback
how it works & source
Bank: 'Select categories include utility bills, wallet loads, insurance, jewellery, government services and rent.'
Source: IDFC FIRST Quantum+ Credit Card - idfcfirst.bank.in - read 30 Sep 2026
1% cashback on in-store and online spends
1.00%this rule
1% cashback
how it works & source
Online spends above Rs 10,000 in a cycle earn 2%; counted here at 1%.
Source: IDFC FIRST Quantum+ Credit Card - idfcfirst.bank.in - read 30 Sep 2026
Via portals & vouchersdisplay, never ranks
2% on hotels and flights booked via the IDFC FIRST app (1% + 1% bonus)
via idfc app · Rs 500 cashback per statement cycle, all categories
source & note
Counted at the 1% online rate plus the 1% app bonus; online spends above Rs 10,000 earn 2% + 1%.
Source: IDFC FIRST Quantum+: "bonus 1% cashback on hotel & flight bookings done via idfc first bank app" - idfcfirst.bank.in - read 1 Oct 2026
2.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
EMI
earns nothing
No cashback on EMI, ATM cash withdrawals, and UPI spends made through third-party UPI payment apps.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: IDFC FIRST Quantum+ Credit Card - idfcfirst.bank.in - read 30 Sep 2026