Currently, you can link your Metra Trust Digital Credit Card on select UPI applications – BHIM, PhonPe, PayTm, Gpay, Freecharge, Slice, Cred & Mobikwik.

Please select the Metra TrustCredit Card from the linked credit card accounts, select set UPI Pin option from the dropdown. Enter last 6 digits of your Metra TrustDigital Credit Card number, enter the expiry date, follow steps to complete the journey.

Once you have added Digital credit card on the UPI app, click on ‘Scan’, QR scanner will open , scan QR code through any UPI app, enter the amount, select Metra Trust Digital FIRST credit card from drop down menu and authenticate your payment using UPI PIN. One the payment is completed, payment confirmation will be displayed.

Yes, Joining fee of Rs 199 + GST and an Annual fee(2nd year onwards) of Rs 199 + GST will be applicable.

No, only payment to merchant (P2M) are allowed on Metra Trust Digital Credit Card.

Categories – P2P(peer-to-peer), P2PM(peer-to-peer-merchant) digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, e-RUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by National Payment Corporation Of India (NPCI).

Amount limit per card per day can be up to UPI limit (1 lakh per day and 2 lakh for some special MCC codes), however it will be subject to the available credit limit on your card. To note - Amount limit per day per card is Rs.5,000 for first 24 hrs of linking the card in UPI app - As per NPCI

Credit limit for your existing credit card and Metra Trust Digital Credit Card are same and will be shared between the two cards.

Yes, UPI spends using Credit Card will earn reward points.

FIRST Classic, FIRST WOW! and FIRST Millennia - For every ₹150 spent, you will receive 3X reward points on UPI transactions* greater than ₹2,000 and 1X reward points on UPI transactions* less than ₹2,000 every billing cycle.

FIRST Select and FIRST Family - For every ₹125 spent, you will receive 3X reward points on UPI transactions* greater than ₹2,000 and 1X reward points on UPI transactions* less than ₹2,000 every billing cycle.

FIRST Wealth & FIRST Private - For every ₹100 spent, you will receive 3X reward points on UPI transactions* greater than ₹2,000 and 1X reward points on UPI transactions* less than ₹2,000 every billing cycle.

For all credit cards, please note:

Reward program is not applicable on Fuel (MCC 5172, 5541, 5542, 5983), Cash (MCC 6010, 6011,7280) & EMI transactions

Utility and Insurance transactions will earn 1X reward points irrespective of the transaction amount.

All UPI transactions will not be a part of 10X reward program and 10X threshold calculations.

1X Reward point = ₹ 0.25

You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at idfcfirstrewards.poshvine.com. Please note rewards can be redeemed through your primary credit card only.