IDFC FIRST Quantum+ Credit Card
Fees
₹10,000 + Taxes
Joining & annual
Reward Rate
1% base cashback; 2% on online shopping spends (capped at ₹500/statement cycle)
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
No Lounge Access
Recent changes
Our Expert Take
The IDFC FIRST Quantum+ Credit Card from IDFC FIRST Bank offers Zero Forex Markup & Luxury Lounge Access with an annual fee of ₹10,000 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
Total cashback
Max ₹500 per statement cycle
Reached after about ₹50,000 of spend
Pros & Cons
Key Advantages
- Zero forex markup fee on international transactions
- 2% cashback on online shopping spends
- 1% base cashback on all other spends
- Fee waiver threshold (Annual fee waived on ₹10 Lakh annual retail spends)
Limitations
- No airport lounge access despite the premium ₹10,000 fee
- Total cashback capped at ₹500 per statement cycle
- High fee-to-benefit ratio compared to IDFC FIRST Wealth (lifetime free)
Key Perks & Spending Milestones
Accelerated reward earn rate on premium purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹10 Lakh annual retail spends
Fees & Charges
Joining fee
₹10,000 + Taxes
Annual fee
₹10,000 + Taxes
Annual fee waived on ₹10 Lakh annual retail spends
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the cashback rate on IDFC FIRST Quantum+?
Does Quantum+ offer lounge access?
Compare IDFC FIRST Quantum+ Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Quantum+ Credit Card This Card | ₹10,000 + Taxes | 1% base cashback; 2% on online shopping spends (capped at... | No Lounge Access | 4.7/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |