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Save big on your UPI spends with the IDFC FIRST EA₹N Credit Card. This is a secured card that can be availed against a fixed deposit. The minimum amount for the required fixed deposit is ₹5,000. Earn 1% cashback on all eligible spends made with the IDFC First Bank mobile application. Not only this, but you can also earn 0.5% cashback on all utilities, wallets, insurance, and UPI spends made by other apps. Loaded with benefits, this card can be availed at a low and affordable joining fee of ₹499 + GST and would allow cardholders to earn upto ₹6,000 cashback in a year. Along with great cashback benefits, this card also offers entertainment benefits like 25% discounts on movie tickets. Save upto ₹1,200 each year on movie tickets alone.

Although this is only a digital/virtual card, the physical card can be obtained for a fee of ₹199.

First-time credit card applicants, youngsters, homemakers, and people looking to improve their credit score can all apply for this card and take advantage of its benefits like decent cashback. This is the second secured credit card offering by IDFC First Bank, the other being the lifetime free IDFC WoW card. In terms of features and benefits, both cards are quite different from each other. Keep reading this article to learn more about the IDFC FIRST EA₹N Credit Card and how it compares to others.

Idfc First Earn Credit Card

Joining Fee

₹499 + GST

Renewal Fee

₹499 + GST

Best Suited For

Shopping |

Reward Type

Cashback |

Welcome Benefits

100% Cashback Upto ₹200 (On First Four UPI Transactions Within 15 Days)

Movie & Dining

25% Off Upto ₹100 on Paytm Movies

Rewards Rate

1% Cashback on UPI Spends Via IDFC App and 0.5% Cashback on All Other Spends Including Utilities and Insurance

Reward Redemption




Domestic Lounge Access


International Lounge Access




Insurance Benefits

Lost Card and Personal Accident Cover

Spend-Based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup


Interest Rates

3.99% and Annual Rate - 47.88%

Fuel Surcharge


Cash Advance Charges

Monthly Rate 0.75% to 3.65%

  • The FIRST EA₹N Credit Card is a Fixed Deposit-backed credit card.
  • With this card customers can earn 1% cashback on all UPI spends made with the IDFC app.
  • Earn 0.5% cashback on select categories like insurance, wallet, and utilities.
  • Get a 25% discount upto ₹100 while booking movies with Paytm movies.


  • This card is for new credit users or those with a bad credit history who want to start or improve their credit card journey.
  • Since the IDFC FIRST EA₹N Credit Card is on the RuPay network, it can be easily linked to UPI.


  • This credit card does not offer a fuel surcharge waiver, which would discourage users from using it for fuel transactions.
  • The cashback earned on UPI transactions could have been higher than 1% as there are other cards that also offer the same.

Welcome Benefits

Get 100% cashback upto ₹200 on making four UPI transactions with the IDFC Mobile Banking app within 15 days of card issue. Cardholders shall get ₹50 cashback on each of the four transactions.

Exciting Cashback on UPI Spends

  • 1% cashback on all UPI spends made with the IDFC mobile banking app.
  • 0.5% cash back on other eligible spends, including UPI transitions through other apps, utility bill payments, and insurance.
  • Cashback is capped at ₹500.
  • No cashback is awarded for EMI and cash transactions.

Features and Benefits of FIRST EA₹N Credit Card

Save on Movie Tickets

Taking entertainment needs into account, this card offers a 25% discount on movie ticket bookings with Paytm Movies. While primarily designed for UPI spends and cashback, this card also provides extra benefits on movie ticket bookings, resulting in additional savings. The maximum discount with the IDFC FIRST EA₹N Card is capped at ₹100 per month, which means an extra ₹1,200 in savings each year.

Free RSA Worth ₹1,399

Get complimentary Roadside Assistance with the FIRST EA₹N Credit Card. This facility can be extremely helpful during emergencies and would cost around ₹1,399, but it is offered for free with this card.

Comparison of FIRST EA₹N and FIRST WOW! Credit Card

Let’s have a quick look at the features of two secured credit cards offered by IDFC First Bank.

Card Type Digital Physical
UPI Yes No
Variant RuPay Visa Infinite
Minimum Fixed Deposit Amount ₹5,000 ₹10,000
Credit Limit Minimum 100% of FD Value up to 2X of FD Value Minimum 100% of FD Value up to 2X of FD Value
Joining/Annual Fee ₹499 + GST Lifetime Free
Welcome Benefits Cashback of Upto ₹200 on Making Four Transactions Within 15 Days of Card Issuance Nil
Reward Type Cashback Reward Points
Rewards 1% Cashback on UPI Spends With IDFC Mobile Banking App 4 RPs/₹150 Spent on Eligble Categories
Movie Benefits 25% Discount Upto ₹100 on Paytm Movies N/A
Forex Charges 3.5% Zero

Review of IDFC FIRST EA₹N Card

UPI payments have increased exponentially in India, and it’s famous with all age groups, especially gaining the most among the young. UPI transactions’ sheer convenience and ease make them a must for all. Now, with RuPay credit cards, these UPI transactions can also be rewarded. The IDFC FIRST EA₹N Card offers a 1% cashback capped at ₹500 on all UPI spends made with the IDFC mobile banking app. Other transactions, including UPI transactions on other platforms, utilities, wallet, and insurance spends shall earn a cashback of 0.5%.

The IDFC FIRST EA₹N Card is a must-have for all who are just starting their credit journey. Those with a low or no credit score at all can highly benefit from this card. Gen Z shall also be impressed with the movie bookings discount of 25% upto ₹100 with this card and the Road Side Assistance (RSA) worth ₹1,399, which can be very useful while traveling. Considering everything, if you’re looking for a secured card with a low minimum requirement for a fixed deposit (₹5,000 Only), high interest on your deposits, and cashback on your spending, then this card will not disappoint.

Apply now for the IDFC FIRST EA₹N Card and enjoy cashback on each payment made through UPI.


Your credit limit with this secured card depends on the fixed deposit amount. The credit limit is offered at a minimum of 100% and a maximum of 2X the fixed deposit amount.
The IDFC FIRST EA₹N Card comes at a joining/renewal charge of ₹499 + GST.
No, cardholders shall be eligible for a discount of 25% upto ₹100 on booking movies with Paytm.
Idfc First Earn Credit Card



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