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IDFC FIRST Bank
IDFC FIRST EARN Credit Card
Movies
Cashback
1st Year Fee: ₹ 0
Cashback
1% cashback on UPI spends
Travel
Up to 8% cashback on travel spends
Movies
25% discount on movie tickets
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About IDFC FIRST EARN Credit Card
IDFC FIRST EARN is a secured credit card that requires a minimum fixed deposit of Rs. 5,000, making it a suitable choice for consumers looking to start their credit card journey with an entry-level card. It offers 1% cashback on UPI transactions via IDFC FIRST Bank app, 0.5% on third-party UPI spends. Besides this, it also offers 0.5% cashback on usually excluded categories, such as utility, insurance, and wallet loads.
Apart from the base cashback program, cardholders can also earn up to 8% bonus cashback on their hotel and flight bookings via ‘Travel and Shop’, making it a suitable option for frequent travellers. At no joining fee, this credit card offers welcome benefits worth Rs. 1,250 and 25% discount on movie tickets via District app. Overall, this credit card is a suitable option for beginners who can maximize savings by making most of their spends via IDFC FIRST Bank mobile app.
Cashback and Travel Benefits
Cashback and travel benefits offered by this IDFC FIRST Bank Credit Card are as follows:
Cashback Benefits
- 1% cashback on UPI spends via IDFC FIRST Bank mobile app (Capped at Rs. 500 per month)
- 0.5% cashback on spends via third-party UPI platforms (Capped at Rs. 500 per month)
- 0.5% cashback on utility, insurance, and wallet loads
Travel Benefits
- 4% bonus cashback on flight bookings via ‘Travel and Shop’ section on IDFC FIRST Bank mobile app
- 8% bonus cashback on hotel bookings via ‘Travel and Shop’ section on IDFC FIRST Bank mobile app
Welcome Benefits
- 10% cashback (Up to Rs. 250) on first transaction done within 15 days of card generation1
- 5% cashback (Up to Rs. 1,000) on transaction value of first EMI done within the first month
Other Features & Benefits
Movie Benefit
- 25% off (Up to Rs. 100) on movie tickets via District by Zomato, once per month
Insurance Benefits
- Up to Rs. 25,000 as lost card liability
- Up to Rs. 2 Lakh as personal accident cover
- Complimentary roadside assistance of Rs. 1,399
Annual Fee Waiver
- Annual fee waived off on annual spends of Rs. 1 Lakh
IDFC FIRST EARN Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs. 499 + Taxes |
| Finance Charges | 8.5% - 46.2% p.a. |
| Late Payment Fee | 15% of the total amount due (Min. Rs. 100 and Max. Rs. 1,300) |
Things to Know Before you apply
Get this card if:
You often book flights or hotels through the IDFC FIRST Bank ‘Travel and Shop’ app to earn bonus cashback
You frequently spend on utilities, insurance payments, or wallet loads, and want to earn cashback on these transactions
You are looking for a credit card with movie ticket discounts on the District by Zomato app
You can spend Rs. 1 Lakh annually to get the annual fee waived
Paisabazaar Review
What do we like about this card?
IDFC IRST EARN Credit Card is a suitable choice for consumers who are seeking a card that is designed for cashback, travel, and movie benefits. Consumers can earn up to 8% bonus cashback on travel spends via ‘Travel and Shop’. Besides this, it also offers1% cashback on UPI spends made via IDFC FIRST Bank app and 0.5% on third-party UPI spends along with utilities, insurance, and wallet loads. In addition to this, welcome benefits of up to Rs. 1,250 and discount on movie tickets add to its overall value. However, this credit card does not have much to offer and is a preferable choice for consumers who prefer to spend via IDFC FIRST Bank mobile app.
Pros
- 8% bonus cashback on hotel bookings through ‘Travel and Shop’
- 4% bonus cashback on flight bookings through ‘Travel and Shop’
- Accelerated cashback on UPI spends made via IDFC FIRST Bank app
- Up to Rs. 1,200 discount on movie tickets per year through District by Zomato
- Welcome benefits worth Rs. 1,250
Cons
- Bonus cashback on travel spends is offered only on bookings made via IDFC FIRST Bank app
- No travel benefits, such as domestic and international airport lounge visits
- Very low cashback of 0.5% on UPI spends via third-party apps
Frequently Asked Questions
Everything you need to know about this credit card
The IDFC FIRST EARN Credit Card delivers strong entry-level value with no joining fee, a low Rs. 5,000 FD requirement, and cashback on UPI, utilities, travel bookings, and movies—making it a practical option for first-time credit users.
Cardholders can earn up to 1% cashback on UPI spends via the IDFC FIRST Bank app, 0.5% on third-party UPI apps, and even on utilities and insurance—categories usually excluded—offering consistent everyday savings.
Frequent travellers can save significantly with up to 8% bonus cashback on hotel bookings and 4% on flights when booked through the IDFC FIRST Bank ‘Travel and Shop’ section, making app-based travel bookings more rewarding.
The card offers welcome benefits worth up to Rs. 1,250, including cashback on the first transaction and first EMI, allowing new cardholders to recover a large part of the annual fee early in their card usage.
With 25% off on movie tickets every month via District by Zomato, cardholders can save up to Rs. 1,200 annually, adding entertainment value that complements the card’s cashback and travel-focused benefits.
Despite an annual fee of Rs. 499, users spending Rs. 1 Lakh annually get a full fee waiver, while cashback, travel bonuses, welcome offers, and movie discounts together deliver value exceeding the card’s cost.
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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