About IDFC FIRST EARN Credit Card
IDFC FIRST EARN is a secured cashback credit card that requires a minimum fixed deposit of ₹5,000, making it a good option for beginners starting their credit journey. It offers 1% cashback on UPI transactions made via the IDFC FIRST Bank app and 0.5% on UPI spends through other apps. You also earn 0.5% cashback on categories like utilities, insurance, and wallet loads, which are usually excluded in many cards.
In addition to regular cashback, the card offers up to 8% bonus cashback on hotel and flight bookings through Travel and Shop, making it useful for users exploring travel credit cards. It also comes with no joining fee and provides welcome benefits worth ₹1,250, along with up to 25% discount on movie tickets via the District app.
Overall, this IDFC Bank credit card is a good choice for beginners who prefer cashback over reward points and can maximize savings by using the bank’s app for most of their transactions.
Also Read: Best Credit Cards in India 2026
The IDFC FIRST EA₹N Credit Card is a great choice if you are new to credit cards and want to start building your credit score. It offers up to 1% cashback on your everyday spends, helping you save in a simple and convenient way. You also get discounts on movies and dining, making it useful for your regular outings. Plus, since the card is issued against a fixed deposit, you continue to earn interest on your FD while using the card.
IDFC FIRST EARN Credit Card Rewards Program
Cashback Benefits
- 1% Cashback: On UPI payments made through the IDFC FIRST Bank mobile app
- 0.5% Cashback: On payments for utilities, insurance, wallet top-ups, online shopping, and UPI payments through other UPI apps
- Monthly Limit: You can earn up to Rs. 500 cashback per month
- No Cashback: On EMI payments and cash withdrawals
Additional Bonus Cashback
- Get extra cashback on travel bookings made through the ‘Travel & Shop’ section in the IDFC FIRST Bank mobile app
- 8% Bonus Cashback on hotel bookings
- 4% Bonus Cashback on flight bookings
- Bonus Limit: Earn up to Rs. 2,000 bonus cashback per month
- This means you can get a total of 8.5% cashback on hotels and 4.5% on flights booked through the app
Note: Bonus cashback is not available on transactions made using ‘Cash+Points’ (rewards redemption).
Also Read: Best Cashback Credit Cards in India
Other Features and Benefits
Welcome Bonus
- 100% Cashback, up to Rs. 500, on your first UPI spend made within 15 days of card activation
- 5% Cashback, up to Rs. 1,000, on your first EMI transaction made within 30 days of card setup
Annual Benefit
- 100% Cashback, up to Rs. 200 total (max Rs. 50 each), on the first 4 UPI spends via IDFC FIRST Bank mobile app, within 15 days of annual fee being charged
Lifestyle Offers
- Movie Discount: Get 25% off, up to Rs. 100, on District by Zomato, once per month using code IDFCCCFM
- Dining Offer: Enjoy 20% off at over 1,500 partner restaurants
Also Read: Best Brand Benefits Credit Cards in India
EMI Conversion
- Convert UPI spends of Rs. 2,500 or more into easy EMIs
Roadside Assistance
- Get complimentary roadside assistance (worth Rs. 1,399) up to 4 times a year via Global Assure
Insurance Covers
| Coverage | Amount |
|---|
| Personal Accident Cover | Rs. 2 Lakh |
| Credit Shield | Rs. 50,000 |
| Card Liability Cover | Rs. 25,000 |
| Purchase Protection | Rs. 25,000 |
Travel Insurance also included:
- Covers loss of passport or travel documents
- Covers flight delays
- Covers loss or delay of checked-in baggage
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Fees and Charges
| Fees & Charges | Amount |
| Joining/ Annual Fee | Rs. 499 + Applicable Taxes |
| Financial Charges (if repayment is between Minimum Amount Due & Total Amount Due) | 0.71% to 3.85% per month (8.5% to 46.2% p.a.) |
| Late Payment Charges | 15% of the outstanding balance, subject to a min. of Rs. 100 and a max. of Rs. 1,300 |
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Document Required For IDFC FIRST EARN Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST EARN Credit Card Highlights
What do we like about this card?
- Secured digital credit card issued against an FD of just Rs. 5,000
- Cashback on all spends, including UPI transactions
- 1% cashback on UPI via IDFC FIRST app, 0.5% cashback on other spends
- Bonus cashback: Up to 8.5% on hotel bookings and 4.5% on flights via IDFC app
- EMI option available for UPI spends above Rs. 2,500
- Annual cashback benefit of up to Rs. 200 on UPI spends after fee payment
Things to Know Before you apply
Get this card if:
- You are new to credit cards and want to build your credit score
- You want an entry-level card with a low annual fee
- You prefer cashback over reward points
- You frequently go out for movies or dining
- You want to save on UPI payments with cashback benefits
Pros
- Covers UPI transactions, including cashback and EMI conversion
- Multiple lifestyle perks – dining, movies, travel
- Includes insurance and roadside assistance for extra value
- Option to earn interest on FD while using the card
Cons
- Cashback not available on EMI transactions and cash withdrawals
- Bonus travel cashback only applies when booking via IDFC FIRST app
- Annual fee applicable, though partly offset by cashback benefit
- Digital-only card – no physical card issued
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
Yes, you can request an increase in your credit limit by visiting the official IDFC FIRST Bank credit card page and selecting the "Increase Limit" option. You will need to provide your registered mobile number and date of birth, followed by your account details to make a payment towards your Fixed Deposit (FD). Once a new FD with the updated amount is created, your credit limit will be revised accordingly.
No, the add-on card facility is not available for the IDFC FIRST EA₹N Credit Card, as it is an FD-backed secured credit card.
The credit limit is a minimum of 100% of the fixed deposit amount linked to the card.
No, a credit history is not required. The card is also available to new-to-credit customers, making it an ideal choice for those looking to build their credit profile.
The card requires a minimum fixed deposit of ₹5,000, making it accessible and affordable for a wide range of customers.
No, the FD is directly linked to the card. If you choose to close your fixed deposit, the credit card will also be closed.
