IDFC
IDFC FIRST EA₹N Credit Card
This is an invite only card
Apply and get ₹250 Rewards
Top Benefits
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
Earn up to 8% Bonus Cashback on Travel Bookings
made using the FIRST EA₹N Credit Card
Best For
Shopping
Travel
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Eligibility
Age
Criteria*
18-80 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card 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
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
To check redemption catalogue
N/A
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMI
Fees Charges
GST
Loan-on-card
Balance Transfer
Cash Withdrawals
Transaction Reversals
For Spends Waiver
Fuel
EMI
Fees Charges
GST
Loan-on-card
Balance Transfer
Cash Withdrawals
Transaction Reversals
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 0.71% to 3.85% per month 8.5% to 46.2% per annum apply on unpaid outstanding balances until the amount is fully repaid | 0.71% - 3.85% |
ATM withdrawal ₹199 per transaction is charged on cash advances | ₹199 |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets, levied only when total railway spends in a statement cycle exceed ₹25,000 | 1% |
Rent Payment Fees A surcharge fee of 1% of the transaction value, subject to a minimum of ₹249 applies on rental transactions | 1% |
cheque Payment Fees A fee of 2% of the payment amount, subject to a minimum of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees No fee is charged on cash payment of the credit card bill | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹750 |
| ₹5,001 – ₹8,000 | ₹1200 |
| ₹8,001 – ₹10,000 | ₹1300 |
| Above ₹10,000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹250 Rewards
Top Benefits
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
Earn up to 8% Bonus Cashback on Travel Bookings
made using the FIRST EA₹N Credit Card
The smartest way to find your great credit card
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We value your time and privacy. Your details stay secure and are used only to help you.