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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Key Highlights of IDFC FIRST EARN Credit Card |
|
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| Card Type | Secured Virtual RuPay Credit Card |
| Joining/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
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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:
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
| 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.
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.
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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 |
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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| 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 |
Click here for the detailed fees and charges, along with terms and conditions applicable on IDFC FIRST credit cards.
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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.
