IDFC FIRST Secured Credit Cards

IDFC FIRST Bank offers many secured credit cards against FD which can be used as a credit builder product. These cards are suitable for new-to-credit customers as well as those who wish to improve their credit score. Issued without any income proof or other documentation, these cards also let the cardholders earn reward points and cashback on card spends. Some of these cards also provide other lifestyle benefits, like discounts on movies and travel. Read on to know more about IDFC FIRST Bank secured credit cards.

Best IDFC FIRST Secured Credit Cards

Here is the list of the best IDFC FIRST Credit Cards that are issued against a fixed deposit:

IDFC FIRST Hello Cashback Credit Card

3.5_/5

Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

Up to 5% cashback on online spends

Up to 6% back on travel & 1% on UPI spends on IDFC FIRST app

Cashback

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Product Details

• 3% cashback on monthly online spends up to Rs. 10,000 & 5% on other online spends
• 1% cashback on offline and essential spends, along with UPI spends made via IDFC FIRST Bank app
• Bonus 1% cashback on flights and hotels booked via IDFC FIRST Bank app
• 50% annual fee reversal on annual spends between Rs. 1 lakh and Rs. 2 lakh
• 100% annual fee reversal on annual spends of min. Rs. 2 lakh

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IDFC FIRST WOW! Black Credit Card

3.5_/5

Joining fee: ₹750

Annual/Renewal Fee: ₹750

Zero foreign exchange markup fee

Up to 50X bonus reward points on travel bookings

Travel

Movies

Rewards

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Product Details

• Up to 3 reward points per Rs. 150 on UPI spends
• 1% fuel surcharge waiver, up to Rs. 200 per month
• 25% discount on movie tickets, up to Rs. 100 per month, on the District by Zomato mobile app

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IDFC FIRST EARN Credit Card

3_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

Up to 8% bonus cashback on travel spends

1% cashback on UPI spends via IDFC FIRST Bank mobile app

Movies

Cashback

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Product Details

• 4% bonus cashback on all flight bookings via ‘Travel and Shop’
• 8% bonus cashback on all hotel bookings via ‘Travel and Shop’
• 25% off (Up to Rs. 100) on movie tickets, per month, on District by Zomato

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IDFC FIRST WOW! Credit Card

3_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Zero forex markup fee

4X reward points on online, offline and international spends

Lifetime Free

Rewards

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Product Details

• Zero forex markup-fee
• 1X reward point per Rs. 200 spent
• 1X reward point on Insurance premium payments, FASTag recharge, Railway spends and Utility bill payments
• 6.3% p.a. interest on the FD amount

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Features and Benefits of IDFC FIRST Secured Credit Cards

Given below are the major features and benefits of popular IDFC FIRST Bank Credit Cards against FD, along with their annual fee and minimum FD amount required:  

IDFC FIRST Hello Cashback Credit Card

This IDFC FIRST credit card offers direct cashback on the card spends, including UPI transactions, thus eliminating the hassle of reward redemption. It is suitable for those who frequently shop online and further maximise their travel savings by making their travel bookings on IDFC FIRST Bank app as both these categories come with accelerated value-back. It also offers a credit limit worth 100% of the FD amount with an option to extend it by linking an additional FD of Rs. 5,000 and above.

Joining Fee: Rs. 1,000 + taxes (Nil via introductory offer)
Annual Fee: Rs. 1,000 + taxes
Minimum FD Amount: Rs. 10,000

Key Features:

• 5% cashback on incremental monthly online spends above Rs. 10,000
• 3% cashback on monthly online spends of up to Rs. 10,000
• 1% cashback on UPI spends on IDFC FIRST app, offline and essential spends
• Additional 1% cashback on flights and hotels booked on IDFC FIRST app
• 50% annual fee reversal on annual spends between Rs. 1 lakh and Rs. 2 lakh
• 100% annual fee reversal on min. Rs. 2 lakh annual spends

IDFC FIRST WOW! Black Dual Credit Card

This IDFC FIRST Credit Card against FD offers dual network benefits of Mastercard and a  complimentary virtual RuPay card. It comes with reward points earnings across spends with additional rewards and higher reward redemption value on travel bookings on IDFC FIRST Bank app. The focus on travel benefits is also further led by features like zero forex mark-up and complimentary airport lounge access, making it a good choice for frequent travellers. Welcome benefits that far exceed the joining fee amount also add to the card’s value-back potential.

Joining Fee: Rs. 750 + taxes
Annual Fee: Rs. 750 + taxes
Minimum FD Amount: Rs. 20,000

Key Features:

• Up to 50 bonus rewards per Rs. 150 spent on travel bookings via IDFC FIRST app
• 3X rewards on UPI spends above Rs. 2,000 and 4X rewards on other spends
• 1 reward point per Rs. 150 spent on UPI spends below Rs. 2,000, insurance and utility
• 25% off on movie tickets, up to Rs. 100, on District, once per month
• Zero forex mark-up fee and fee waiver on Rs. 1.5 lakh annual spends
• 4 free domestic airport lounge visits per year on min. Rs. 20,000 monthly spends
• Rs. 500 off on the 1st travel booking via IDFC FIRST app, on a min. spend of Rs. 5,000
• 3 months EazyDiner Prime and 1 year Lenskart Gold Max membership on joining
• Up to 5% back on the 1st EMI transaction in the first month of card generation
• Up to Rs. 700 off on domestic flight, Rs. 800 off on hotel and Rs. 100 off on bus bookings on MakeMyTrip as joining benefit

IDFC FIRST EA₹N Credit Card

This is a low annual fee IDFC FIRST credit card against FD that offers cashback on card spends, along with movie discount. Those who wish to get a secured RuPay credit card with direct cashback benefits across their spends with minimal charges and a low spending condition for annual fee waiver can consider this option.

Joining Fee: Nil
Annual Fee: Rs. 499 + taxes
Minimum FD Amount: Rs. 5,000

Key Features:

• 1% cashback on UPI spends via IDFC FIRST app
• 0.5% cashback on spends via third-party UPI platforms, utility, insurance and wallet loads
• Up to 8% bonus cashback on travel via ‘Travel and Shop’ section on IDFC FIRST app
• 25% off, up to Rs. 100, on movies on District app, once per month
• Annual fee waived off on Rs. 1 lakh annual spends
• 10% cashback, up to Rs. 250, on the 1st spend made within 15 days of card generation
• 5% cashback, up to Rs. 1,000, on transaction value of the 1st EMI in the first month

IDFC FIRST WOW! Credit Card

This is a lifetime free IDFC FIRST credit card against FD with reward benefits across spends. In addition to its reward program, it also comes with zero forex mark-up on international transactions. This makes it a decent option for those who want a rewards card with minimal cost and those who frequently make international purchases.

Joining Fee: Nil
Annual Fee: Nil
Minimum FD Amount: Rs. 20,000

Key Features:

• 4X rewards on online, offline and international spends
• 1 reward point per Rs. 200 spent, including insurance, FASTag recharge, railway and utility spends
• Zero forex mark- up fee
• Exclusive discounts across 1,500+ retailers and restaurants

Also Read: Best Lifetime-free Credit Cards in India