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. 

UPTO ₹2000 REWARD

on Credit Card Activation

VISIT IDFC BANK
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
 

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

Steps to Apply

  • Click on the red button
  • You will be redirected to the IDFC Bank Credit Cards page
  • Complete the application in the same session

IDFC Earn Credit Card Benefits

  1. Cashback Benefits

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

    Other Features & Benefits

    • Annual Benefit: 100% cashback, up to Rs. 200 (max. Rs. 50 each), on the first 4 UPI spends made via IDFC FIRST Bank mobile app within 15 days of annual fee being charged
    • Movie Discount: 25% off of up to Rs. 100 on District by Zomato once per user for every month
    • Dining Offer: 20% off across 1,500+ partner restaurants
    • Interest on FD: Attractive interest earnings on the fixed deposit amount
    • Credit Limit: Credit limit assigned to the card would be a minimum of 100% of the FD value
    • 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:
    CoversAmount
    Lost Card LiabilityRs. 2 lakh
    Credit ShieldRs. 50,000
    Personal AccidentRs. 25,000
    Purchase ProtectionRs. 25,000

Terms & Conditions

 Rewards Related

  • If you currently hold or have ever held an IDFC Credit Card, you are not eligible for  Rewards
  • A minimum transaction of ₹100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the rewards
  • Rewards will be applicable only after the Joining Fee is paid
  • Please use Aadhaar linked mobile number to fill the application
  • VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards