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.
Check your eligibility For This Card
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.
Check your eligibility For This 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.
Cashback Benefits
Additional Bonus Cashback
Note: Bonus cashback is not available on transactions made using ‘Cash+Points’ (rewards redemption).
Welcome Bonus
Annual Benefit
Lifestyle Offers
EMI Conversion
Roadside Assistance
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:
| 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 |
Everything you need to know about this credit card
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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