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IDFC FIRST EARN Credit Card

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.

Cardholders are now eligible for additional cashback on hotel and flight bookings through the IDFC Travel and Shop portal. Although this is a digital/virtual card, a 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

( 4.5 / 5 )
IDFC FIRST EARN Credit Card
  • Joining FeeNIL for Limited Time
  • Annual Fee₹499 + GST
  • Best Suited ForShopping
  • Reward TypeCashback

Rewards Rate

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

Welcome Benefits

10% Cashback Up to ₹250 (On First Transaction Within 15 Days of Card Issuance)

Movie & Dining

25% Off Up to ₹100 on District by Zomato (Benefit Can Be Availed on Spending ₹20,000 in the Previous Month)

Rewards Rate

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

Reward Redemption

Cashback Credited to Statement

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

Lost Card and Personal Accident Cover

  • Spend-Based Waiver

    Annual Fee Waiver on Spends of ₹1 Lakh & Above

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    3.5%

    Interest Rates

    3.99% and Annual Rate – 47.88%

    Fuel Surcharge Waiver

    N/A

    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 District by Zomato.

    Pros

    • 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.

    Cons

    • 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 10% cashback upto ₹250 on making the first transaction within 15 days of card issuance.

    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 transactions through different apps like GPay, PhonePe, and PayTm, utility bill payments, wallet load, online spends, and insurance.
    • Cashback is capped at ₹500 per statement cycle.
    • No cashback is awarded for EMI and cash transactions.

    Additional Cashback With IDFC “Travel and Shop”

    From 1st July 2025, the IDFC First EARN Credit Card shall earn bonus cashback on travel spends made via the exclusive IDFC Travel and Shop portal. This cashback is in addition to the regular cashback earned with this card.

    Travel Bookings Cashback for Travel Spends Total Cashback Including Base Reward Rate
    Hotels 8% 8.5%
    Flights 4% 4.5%

    The cashback earned for travel bookings is capped at ₹2,000 per calendar month. Bonus cashback is credited in the next month’s statement.

    Save on Movie Tickets

    Taking entertainment needs into account, this card offers a 25% discount on movie ticket bookings with the District app. 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.

    Features FIRST EA₹N FIRST WOW!
    Card Type Digital Physical
    UPI Yes No
    Variant RuPay Visa Infinite
    Minimum Fixed Deposit Amount ₹5,000 ₹20,000
    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 ₹500 (Limited Time Offer) Nil
    Reward Type Cashback Reward Points
    Rewards 1% Cashback on UPI Spends With IDFC Mobile Banking App 4 RPs/₹150 Spent on Eligible Categories
    Movie Benefits 25% Discount Upto ₹100 on District by Zomato N/A
    Forex Charges 3.5% Zero

    IDFC FIRST EARN Credit Card Benefits

    Review of IDFC FIRST EA₹N Card

    UPI payments have increased exponentially in India, and they’re popular 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 can greatly 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.

    FAQs:

    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 District by Zomato.

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