- Joining fee
NIL for Limited Time
- Annual fee
₹499 + GST
- Best suited for
Shopping
- Reward type
Cashback
Rewards
- Rewards rate
1% Cashback on UPI Spends Via IDFC App and 0.5% Cashback on All Other Spends Including Utilities and Insurance
- Welcome benefits
10% Cashback Up to ₹250 (On First Transaction Within 15 Days of Card Issuance)
- Reward redemption
Cashback Credited to Statement
Benefits
- Movie & dining
25% Off Up to ₹100 on District by Zomato (Benefit Can Be Availed on Spending ₹20,000 in the Previous Month)
- Insurance
Lost Card and Personal Accident Cover
Fees & charges
- Spend-based waiver
Annual Fee Waiver on Spends of ₹1 Lakh & Above
- Foreign currency markup
3.5%
- Interest rates
3.99% and Annual Rate – 47.88%
- Cash advance charges
Monthly Rate 0.75% to 3.65%
Product highlights
- The FIRST EA₹N Credit Card is a Fixed Deposit-backed credit card.
- With this card, customers can earn 1% cashback on all UPI spends made with the IDFC app.
- Earn 0.5% cashback on select categories like insurance, wallet, and utilities.
- Get a 25% discount upto ₹100 while booking movies with District by Zomato.
Pros & cons
Pros
- This card is for new credit users or those with a bad credit history who want to start or improve their credit card journey.
- Since the IDFC FIRST EA₹N Credit Card is on the RuPay network, it can be easily linked to UPI.
Cons
- This credit card does not offer a fuel surcharge waiver, which would discourage users from using it for fuel transactions.
- The cashback earned on UPI transactions could have been higher than 1% as there are other cards that also offer the same.
FAQs
What will be my credit limit with the IDFC FIRST EA₹N Card?
Your credit limit with this secured card depends on the fixed deposit amount. The credit limit is offered at a minimum of 100% and a maximum of 2X the fixed deposit amount.
What are the annual charges for the IDFC FIRST EA₹N Credit Card?
The IDFC FIRST EA₹N Card comes at a joining/renewal charge of ₹499 + GST.
Will I get BOGO on movie bookings with Paytm?
No, cardholders shall be eligible for a discount of 25% upto ₹100 on booking movies with District by Zomato.