IDFC FIRST EARN Credit Card
IDFC FIRST Bank IDFC FIRST Bank

IDFC FIRST EARN Credit Card

/assest/image/icons/cashback.svg Cashback
/assest/image/icons/dining.svg Dining
MyBankingTips Rating

Joining Fee: ₹499* Plus Applicable Taxes

Renewal Fee: ₹499*Plus Applicable Taxes

Cashback Cashback
Dining Dining
MyBankingTips Rating

Joining Fee: ₹499* + Tax

Renewal Fee: ₹499* + Tax

Welcome benefits:- Get 100% cashback (up to Rs. 500) on your first UPI spend and 5% cashback (up to Rs. 1,000) on your first EMI transaction.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC FIRST EARN Credit Card

The IDFC FIRST EA₹N Credit Card is a secured digital card that gives you cashback on all your spending, including UPI payments. You can get this card by opening a fixed deposit of just Rs. 5,000 or more with IDFC FIRST Bank. The card limit is equal to your full FD amount.

Along with cashback, the card also gives you discounts on movies and dining, and comes with useful insurance cover. It’s a good choice if you want to save money, earn cashback, and build your credit score.

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.

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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).

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

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

CoverageAmount
Personal Accident CoverRs. 2 Lakh
Credit ShieldRs. 50,000
Card Liability CoverRs. 25,000
Purchase ProtectionRs. 25,000

Travel Insurance also included:

  • Covers loss of passport or travel documents
  • Covers flight delays
  • Covers loss or delay of checked-in baggage

Fees and Charges

Fees & ChargesAmount
Joining/ Annual FeeRs. 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 Charges15% of the outstanding balance, subject to a min. of Rs. 100 and a max. of Rs. 1,300

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 Hilights

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

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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.

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