IDFC FIRST EARN Credit Card
IDFC FIRST Bank
₹499
Joining fee
₹499
Annual fee
Waived if annual spend exceeds Rs 1,00,000.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 600+
Estimated — not officially confirmed by the bank.
Secured card requiring a minimum fixed deposit of Rs 5,000; positioned for first-time credit users or those building credit history
Lounge access
0 domestic / 0 international visits per year
Reward details
1% UPI cashback via the IDFC FIRST Bank app; 0.5% on third-party UPI platforms
- Up to 5% on Hotel bookings via FIRST Rewards Gallery/app — Rs 2,000/month combined travel-bonus cap
- 2% on Flights via the bank's app — Rs 2,000/month combined travel-bonus cap
Welcome bonus: Up to Rs 250 on first transaction; up to Rs 1,000 on first EMI
Category caps
- Utility/insurance cashback: 0.5% cashback (categories usually excluded elsewhere)
Redemption
Caps: Rs 500/month on base cashback; Rs 2,000/month on travel bonus
- 25% off up to Rs 100 on movie tickets via District by Zomato, once per month
- Personal accident cover up to Rs 2,00,000
- Lost card liability cover Rs 25,000
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Appeals to app-centric spenders; welcome offers and travel cashback well regarded — Paisabazaar
Complaints
- Limited utility for those who prefer third-party payment platforms over IDFC's own app, since travel bonuses are app-dependent — Paisabazaar
Sources
- Official — confirmed card exists as FD-backed virtual RuPay card only; JS-rendered page did not return fee/benefit content
- Aggregator — fees, eligibility, rewards, sentiment