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IDFC FIRST EARN Credit Card

Home Credit Card IDFC FIRST Bank IDFC FIRST EARN Credit Card

IDFC FIRST EA₹N Credit Card is a secured credit card that offers value-back in the form of cashback on all card spends, including UPI transactions. Issued against IDFC FIRST Bank fixed deposit worth Rs. 5,000 or above, it is a virtual card that comes with a credit limit worth 100% of the fixed deposit amount. In addition to the cashback benefits, it also offers other lifestyle-related benefits like movie and dining discounts and extensive insurance coverage. Read on to know more about this card and how it can benefit its users.

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Updated: 16-12-2025 05:51:19 AM

Key Highlights of IDFC FIRST EARN Credit Card
Card Type Secured Virtual RuPay Credit Card
Annual Fee Rs. 499 + Applicable Taxes
Key Feature Up to 1% cashback on spends, including UPI transactions
Min. FD Amount Required Rs. 5,000
FD Interest Rate 6.3%* p.a.
Credit Limit 100% of FD value
Overall Rating ★★★ (3/5)

*Check latest rate on official bank website.

Check Eligibility for Top Credit Cards in India | Best Credit Cards in India

On this page:
IDFC FIRST EARN Credit Card: Features & Benefits
Should You Apply for IDFC FIRST EARN Virtual Credit Card?
IDFC FIRST EARN Credit Card: Eligibility Criteria
How to Apply for IDFC FIRST EARN Credit Card?
IDFC FIRST EARN Credit Card: Fees & Charges
Cards Similar to IDFC FIRST EARN Credit Card
FAQs

IDFC FIRST EARN Credit Card: Features & Benefits

Cashback Benefits

  • 1% Cashback: On UPI spends made via the IDFC FIRST Bank mobile app
  • 0.5% Cashback: On utility, insurance, wallet loads, all online spends and on UPI spends made via other third-party UPI apps (apart from IDFC FIRST bank app)
  • Capping: Cardholders can earn cashback worth up to Rs. 500 every month
  • Exclusions: EMI transactions and cash withdrawals are excluded from cashback benefits

Additional Bonus Cashback

In addition to the above-mentioned cashback rate, IDFC FIRST Bank also offers bonus cashback on travel bookings made under the ‘Travel & Shop’ section on IDFC FIRST mobile app, as given below:

  • 8% bonus cashback on hotel bookings
  • 4% bonus cashback on flight bookings
  • Bonus cashback is capped at Rs. 2,000 per month

This makes the total cashback earnings of 8.5% on hotel bookings and 4.5% on flight bookings made under ‘Travel & Shop’ on IDFC FIRST app.

Note: Bonus cashback is not offered for rewards redemption transactions, i.e. transactions made using the ‘Cash+Points’ option.

Suggested Read: IDFC FIRST Bank Credit Cards

Other Features & Benefits

  • Welcome Benefit: 10% cashback on first spend of up to Rs. 250 within 15 days of card generation.*
  • Movie Discount: 25% off, up to Rs. 100, on District by Zomato, once per month, using code IDFCCCFM.
  • Dining Offer: 20% off across 1,500+ partner restaurants.
  • EMI Conversion: Option to convert UPI spends worth a min. of Rs. 2,500 into easy EMIs.
  • Roadside Assistance: Complimentary roadside assistance up to 4 times a year worth Rs. 1,399 via Global Assure.
  • Insurance Covers:
Covers Amount
Personal Accident Cover Rs. 2 Lakh
Credit Shield Rs. 50,000
Card Liability Cover Rs. 25,000
Purchase Protection Rs. 25,000

In addition to the above mentioned covers, this card also offers travel insurance to cover loss of passport or other travel documents, delay in flight, loss or delay of checked-in baggage.

*Limited period offer.

Should You Apply for IDFC FIRST EARN Virtual Credit Card?

IDFC FIRST Earn Credit Card can be the right choice for you if you are beginning your credit journey and are new to handling any form of credit card. With up to 1% cashback rate, it allows the cardholders earn value-back on their daily spends in a hassle-free manner and offers savings on movies and dining bills. These benefits are accompanied with additional earnings in the form of interest on the fixed deposit against which the card is issued.

Get this card if:

  • You are new to credit cards and want a card to understand how credit works and to build credit score
  • You want an entry-level low annual fee card
  • You prefer to get value-back in the form of cashback, instead of reward points
  • You often go out to watch movies or to dine-out
  • You want a card that gives decent value-back on UPI transactions

Look for other options if:

  • You have a good credit score and do not want a secured card
  • You are looking for a life-time free credit card
  • You want a card that offers category or brand-specific benefits

IDFC FIRST EARN Credit Card: Eligibility Criteria

Though the final decision regarding your credit card eligibility depends upon the bank’s internal policies, there are certain criteria, as given below, that you must satisfy:

Criteria Details
Age 18 years or above
Nationality Indian citizen with an Indian current & permanent residential address
Fixed Deposit Fixed deposit of min. Rs. 5,000 with IDFC FIRST Bank
Income Proof Not required
Identity Proof Aadhaar card or PAN card

How to Apply for IDFC FIRST EARN Credit Card?

The eligible consumers can apply online for this IDFC FIRST card on Paisabazaar platform by following the steps given below:

Step 1: Enter your mobile number for registration in the form given on this page. 
Step 2: Fill in the OTP received on the mobile number provided.
Step 3: Check the cards you are eligible for from the list of pre-qualified card offers and search for IDFC FIRST EARN.
Step 4: Select the card you want and complete the application process by providing the necessary details and documents.

You can also visit the official bank website to apply for the card and to open an IDFC FIRST fixed deposit which is required to be eligible for this card.

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IDFC FIRST EARN Credit Card: Fees & Charges

Fees & Charges Amount
Joining Fee Nil*
Annual Fee Rs. 499 + Applicable Taxes (Waived off on annual spends of Rs. 1 Lakh)
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

*Limited period offer.
Click here for the detailed fees and charges, along with terms and conditions applicable on IDFC FIRST credit cards.

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FAQs

Q. Can I increase my IDFC FIRST EARN Credit Card credit limit?
A. Yes, you can request to increase the credit limit of your IDFC FIRST EA₹N Credit Card by going to the official bank website card page and clicking on the increase limit button. You will be required to enter your registered mobile number and date of birth. Then enter your account details to initiate payment towards your FD. Once the new fixed deposit is created with an updated amount, the credit limit will be increased.

Q. Can I get an add-on card for IDFC FIRST Earn Credit Card?
A. No, add-on card facility is not available for IDFC FIRST Earn Credit Card as it is an FD-backed secured card.

Q. What is the credit limit of IDFC FIRST Earn Credit Card?
A. The credit limit for IDFC FIRST Earn Credit Card is minimum 100% of the fixed deposit amount.

Q. Is a credit history required to apply for IDFC FIRST EARN Credit Card?
A. No, you do not need any credit history to apply for the FIRST EA₹N Credit Card as it is also offered to new-to-credit customers.

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