FIRST EA₹N Credit Card
IDFC FIRST Bank · Secured (FD backed)
1% cashback on UPI spends via the bank app (virtual FD-backed RuPay card).
- Joining fee
- Free
- Annual fee
- ₹499
- Waiver spend
- ₹1,00,000
- Forex markup
- 0%
Fee waiver
Spend ₹1,00,000 in a card year and the next annual fee is waived.
That is about ₹8,333 a month.
Work out what you still need to spend
Recent changes
- 9 September 2026Better for you
Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.
- 18 June 2026Worse for you
Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.
Work it out for this card
How the app counts rewards
- 0.5% on online and UPI spends (1% on UPI via the IDFC FIRST app)
Who can apply
- Age 18 to 80
Virtual card secured against an IDFC FIRST Bank fixed deposit of at least ₹5,000; no income proof needed
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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