IDFC

IDFC FIRST EA₹N Credit Card

Get the FD-backed FIRST EA₹N Virtual RuPay Credit Card and enjoy up to 1% cashback on UPI spends, up to 8% bonus cashback on travel, 25% off on movie tickets and an instant credit limit up to 100% of your fixed deposit. No income proof or credit history required. Apply now

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Issued by

IDFC

IDFC FIRST EA₹N Credit Card image
Joining FeeFree
Annual Fee₹499
Income₹25000
Credit Score720

Key Highlights

FD-Backed Credit Card with Instant Limit up to 100% of Your Fixed Deposit

with no income proof or credit history required, get a credit limit up to 100% of your FD value, and keep earning interest on your FD while you spend

Travel

Earn up to 8% Bonus Cashback on Travel Bookings

made using the FIRST EA₹N Credit Card

UPI

Earn up to 1% Cashback on UPI Spends

via the IDFC FIRST Bank mobile app and 0.5% on UPI spends through other apps and all online spends, with total cashback capped at ₹500 per statement

Shopping

Get 25% Off up to ₹100 on Movie Tickets

valid once every calendar month

Earn up to 8% Bonus Cashback on Travel Bookings

made using the FIRST EA₹N Credit Card

Eligibility

Age Criteria18-80
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee Offset10% cashback of up to ₹250 on your first transaction
Annual Fee₹499
Annual Fee WaiverThe annual fee is waived if you spend ₹1 lakh more in a year on your card, as per bank policy
Estimated Annual Saving₹10000

Rewards & Redemption

Reward ConversionN/A
Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement

Earning ExclusionsFuel, EMI, Fees Charges, GST, Loan-on-card, Balance Transfer, Cash Withdrawals, Transaction Reversals
Spend ExclusionsFuel, EMI, Fees Charges, GST, Loan-on-card, Balance Transfer, Cash Withdrawals, Transaction Reversals

Benefits

All Benefits

  • FD-backed virtual RuPay credit card issued instantly against a fixed deposit minimum FD ₹5,000; credit limit up to 100% of FD value
  • Earn up to 1% cashback on UPI spends via the IDFC FIRST Bank mobile app, 0.5% on UPI via other apps and all online spends, and 0.5% on utility, insurance and wallet loads total cashback capped at ₹500 per statement cycle
  • Up to 8% bonus cashback on travel bookings
  • 25% off (up to ₹100) on movie tickets once a month
  • earn FD interest while earning cashback

Welcome Benefits

  • 10% cashback of up to ₹250 on your first transaction

Flight Benefits

  • Up to 8% bonus cashback on travel bookings made using the card

Movie Ticket Benefits

  • 25% off up to ₹100 on movie ticket bookings, valid once every calendar month

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle

Bank Offer

  • Instant credit limit increase by linking an existing FD or booking a new FD from ₹5,000 via the IDFC FIRST Bank mobile app
  • credit limit up to 100% of FD value
  • continue earning interest on your FD while earning cashback
  • instant-issue virtual card usable across 60 million+ RuPay/UPI merchants

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
Apply Now