FIRST EA₹N Credit Card
A virtual RuPay cashback card against a fixed deposit (no income proof): 1% on UPI through the IDFC FIRST app, 0.5% on other UPI, online, bill, insurance, wallet and international spends, capped at ₹500 a statement cycle; ₹499 a year, waived on ₹1 lakh of spend. Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | ₹499 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| The ₹0 joining fee is a limited-period offer on a normal ₹499 + GST. Rent payments carry a 1% surcharge (minimum ₹249), and utility spends above ₹20,000 in a cycle a 1% surcharge. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| 1% on UPI through the IDFC FIRST app (0.5% through other UPI apps) | 1% cashback Terms | up to ₹500 a statement cycle (shared) Terms |
| 0.5% on online spends, bills, insurance, wallet loads and international spends | 0.5% cashback Terms | up to ₹500 a statement cycle (shared) Terms |
Cashback is credited a day after the payment due date, if at least the minimum amount due is paid.
The cashback cap of ₹500 covers all spends in a statement cycle. The card is virtual; card payments in shops (and fuel) earn cashback but the rate is not stated, so in-store card spends are left unrated. UPI paid through other apps earns 0.5%.
Benefits
- Lounges: none on record
- Welcome: 10% cashback up to ₹250 on the first transaction within 15 days Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- 5% bonus cashback on hotels and 2% on flights booked in the IDFC FIRST app (up to ₹2,000 a month) Terms
- 25% off movie tickets, up to ₹100 once a month Product page
- Virtual card; a physical card costs ₹199 + GST Product page
Eligibility
- A fixed deposit of at least ₹5,000 with IDFC FIRST Bank; the limit is 100% of the deposit Product page
- Age 18 or above Product page
- Age 80 or below Product page
- Indian citizen with a current and permanent address Product page
- No income proof or credit history needed Product page
Not published by IDFC FIRST Bank in the documents read
- the cashback rate on in-store card payments and fuel
- a fuel surcharge waiver
- airport lounge access
Where IDFC FIRST Bank’s documents differ, and what is used
- Minimum fixed deposit: the product page says ₹5,000; the RuPay cards page says ₹10,000. The product page is used.
The quotes behind the figures
36 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“Joining Fee: ₹0* ₹499+GST”
“Annual Fee (2 nd year onwards): ₹499+GST , waived off on annual spends of ₹1 lakh and more”
“Your annual fee of ₹499+GST is waived if you spend ₹1,00,000* or more in your previous anniversary year”
“Zero Forex Markup on all international transactions”
“1. 1% Cashback on eligible* UPI Spends through IDFC FIRST Bank mobile app.”
“5. Cashback will be capped at ₹500 in a statement cycle.”
“2. 0.5% Cashback on UPI Spends through Other TPAPs like GPay, Phonepe,”
“3. 0.5% Cashback on online spends.”
“4. *0.5% cashback on all utility, insurance, and wallet load.”
“Earn 0.5% Cashback on international spends”
“6. No cashback on EMI and cash withdrawal transactions.”
“Types of RuPay Credit Cards Power+ HPCL Power HPCL Digital Card FIRST EA₹N FIRST WOW! Black Hello Cashback IndiGo IDFC FIRST”
“Disclaimer: *₹0 Joining Fee is a Limited Time Period Offer”
“* ₹1,00,000 spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“You can earn cashback by using the credit card for UPI, E-commerce and POS transactions.”
“Yes, with your FIRST EA₹N Credit Card, you will get cashback on fuel transactions.”
“Cashback will be credited 1 day after Payment Due Date, subject to payment realisation of at least the Minimum Amount Due on or before the Payment Due Date.”
“*Cashback will be earned for spends up to your credit limit per billing cycle.”
“No, your cashback doesn’t expire, however your cashback is subject to payment realisation of at least the Minimum Amount Due on or before the Payment Due Date.”
“Flights 2% cashback”
“Cardholder can earn a maximum bonus cashback of 2,000, across Hotels & Flights, in a calendar month.”
“Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction”
“Utility spends (Electricity, Gas, Telecom etc.) above ₹20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle”
“Minimum ₹10,000 FD required for FIRST EA₹N Credit Card”
“Yes, you can earn 10% cashback up to ₹250 on your first transaction, done within 15 days of card generation.”
“Hotel 5% cashback”
“25% off up to ₹100 on movie tickets, valid once a month”
“In case you need a physical card as well, you can request one by calling 1800 10888. An issuance fee of ₹199 + GST will be applicable, and the card will be delivered to your registered address.”
“With FIRST EA₹N you get 100% Credit Limit of your Fixed Deposit value.”
“Have a fixed deposit with IDFC FIRST Bank with minimum amount of ₹5,000”
“Age Limit Criteria: 18 to 80 years”
“Indian citizen, with a current and permanent residential address”
“No, you do not need any credit history or income proof to apply for the FIRST EA₹N Credit Card.”
“FIRST EA₹N Credit Card now comes with Zero Forex Markup Apply Now”
“Your FIRST EA₹N RuPay Credit Card is automatically linked to the IDFC FIRST mobile banking app for UPI payments”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology