IDFC FIRST Bank

IDFC FIRST EARN Credit Card

Cashback

Dining

MyBankingTips Rating

Joining Fee: ₹499* Plus Applicable Taxes

Renewal Fee: ₹499*Plus Applicable Taxes

Cashback

Dining

MyBankingTips Rating

Joining Fee: ₹499* + Tax

Renewal Fee: ₹499* + Tax

Cashback

Get 1% cashback on UPI spends via IDFC app and 0.5% on all other spends, including utilities and insurance.

Dining

Get 25% off up to ₹100 on District by Zomato.

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

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.

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

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

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

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

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

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

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

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