Online shopping has become second nature to most of us. Whether you’re ordering groceries, booking tickets, or browsing for the latest deals, making payments quickly and securely is essential. And when used wisely, a credit card can do much more than just help you make a purchase—it can earn rewards, offer discounts, and improve your financial flexibility. Let’s explore how to shop smarter online using your credit card, especially with UPI-linked features that bring added benefits.

Understanding the Digital Credit Card Advantage

Today’s digital-first credit cards are designed for convenience, speed, and savings. With features tailored for online use and UPI compatibility, they can turn your daily digital payments into rewarding experiences. IDFC FIRST Bank’s FIRST Digital RuPay Credit Card and FIRST EA₹N Credit Card are strong examples of this new-age utility.

FIRST Digital RuPay Credit Card – Seamless UPI Access

This online rupay credit card is issued instantly and can be linked directly to UPI apps. You don’t need a physical card or long wait times. Once activated, you can:

  • Link the card to UPI platforms and use it just like a debit card for QR scans or online checkouts
  • Earn reward points every time you pay through UPI with your credit card
  • Enjoy instant activation and access to your credit line via UPI apps

The best part? It uses your existing credit limit, so there’s no need to manage multiple balances or cards.

FIRST EA₹N Credit Card – A Digital UPI Card with Smart Benefits

This newly launched digital-only rupay credit card against FD is ideal for users who prefer contactless and mobile-based payments. It offers:

  • Instant issuance and UPI activation linked to your main credit card
  • Joining fee of ₹499 + GST, with an annual fee of ₹499 + GST from the second year
  • Minimum fixed deposit requirement of ₹5,000

But the real highlight lies in its introductory and monthly rewards.

Limited-Time Cashback Offer

Cardholders can earn 100% cashback up to ₹200 on first four UPI transactions done within 15 days of card generation. This makes it a great way to begin using the card actively while enjoying immediate value.

Ongoing Rewards

Enjoy exciting food & dining perks like 25% discount of ₹100 with District by Zomato and 20% discount across 1500+ restaurants, easy emi conversion for transactions above ₹ 2,500.

Tips to Use Your Credit Card Smartly While Shopping Online

  • Always check the reward structure: Cards like FIRST EA₹N make it easy to earn on everyday UPI spends. Use UPI-linked payments where possible.
  • Track your monthly spends to maximise rewards. Try reaching ₹5,000 in UPI payments to unlock the full reward point potential.
  • Avoid impulse spending just to earn cashback or points. The goal is to earn rewards on planned and necessary expenses.
  • Set spending alerts via your bank’s app to monitor usage and avoid overspending.
  • Pay your bills on time to enjoy all benefits without interest charges. That’s what makes low-interest rate cards or digitally efficient cards most rewarding.

Conclusion

Using a credit card for online shopping is no longer limited to typing in card numbers at checkout. With innovations like the FIRST Digital RuPay and FIRST EA₹N Credit Cards, UPI-linked credit usage is now seamless, rewarding, and smarter than ever. From instant cashback to monthly reward points, these digital tools help you get more from every transaction, without changing your habits. Just link, shop, and earn.

Topics #Credit Card #Digital Credit Card #Online Shopping #shopping