RuPay 📡 Contactless NFC
IDFC FIRST EA₹N Credit Card
Joining FeeFREE
Annual Fee₹499
Forex Markup 3.5%
🎁 Key Features & Highlights
🎉
Joining & Activation Welcome Gift
Voucher worth ₹500 on spends of ₹5,000 within 30 days of card issuance
Earn up to 8% Bonus Cashback on Travel Bookings
made using the FIRST EA₹N Credit Card
Get 25% Off up to ₹100 on Movie Tickets
valid once every calendar month
Earn up to 1% Cashback on UPI Spends
via the IDFC FIRST Bank mobile app and 0.5% on UPI spends through other apps and all online spends, with total cashback capped at ₹500 per statement
FD-Backed Credit Card with Instant Limit up to 100% of Your Fixed Deposit
with no income proof or credit history required, get a credit limit up to 100% of your FD value, and keep earning interest on your FD while you spend
💰 Reward Structure & Point Valuation
1 Reward Points = ₹0.25 Standard Base Earning
10 RP per ₹100 on incremental spends above ₹20,000 per month (2.5% value), 2 RP per ₹100 on spends up to ₹20,000 (0.5% value)
Accelerated / Partner Rate
10 RP per ₹100 on birthday spends (2.5% value)
Points Validity:Never Expire
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Online and In-store brand vouchers, Product catalog, Flight and hotel bookings
🚫 No Reward Points / Cashback on:
Fuel Cash Advances EMI Transactions Balance Transfer Wallet Loads Government Transactions
🛋️ Airport Lounge Access & Spend Criteria
✓ Lounge Access Active🛫
Domestic Lounge Visits1 domestic airport lounge access per quarter
🌐
International Lounge VisitsNone
⚠️
Spend Criteria: Requires ₹5,000 spend in the previous calendar quarter
⚡ Spend Milestones & Special Perks
Annual Fee Waiver ₹150,000/yr
Annual fee waived if total spends cross ₹1.5 Lakhs in the previous anniversary year UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver (Capped at ₹300/mo) 📋 Eligibility Criteria
✓ Official CriteriaAge Limit18 - 80 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed
Official Bank Portal Application
Get the IDFC FIRST EA₹N Credit Card
Annual Fee: ₹499/yr (Waivable)
Personalized Card Matcher
Still Confused About Your Best Match?
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⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial
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🔍 Related Credit Card Collections
Frequently Asked Questions
No, IDFC FIRST EA₹N Credit Card has a joining fee of ₹0 and an annual renewal fee of ₹499 (plus applicable taxes).