IDFC BANK
IDFC FIRST EA₹N Credit Card is a secured, FD-backed entry-level cashback credit card requiring a minimum fixed deposit of just ₹5,000.
One-time
Waived on ₹1,00,000/yr
Uncapped rewards
Standard approval
Applying takes you to IDFC BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from IDFC BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromBills
Shares the card's ₹1 a month ceiling
These rates share one ceiling: ₹1 a month across the card, not per category.
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Bills — 1% cashback on UPI spends made via the IDFC FIRST Bank mobile app, with no stated cap.
Biggest limitation
This card is secured against a fixed deposit of Rs. 5,000 or more. The deposit is locked for as long as the card is held.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1%
uncappedBills
1% cashback on UPI spends made via the IDFC FIRST Bank mobile app
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹499 | — |
| Annual / renewal fee | ₹499 | No joining fee. Rs. 499 + GST a year, waived on annual spends of Rs. 1,00,000. Secured against a minimum fixed deposit of Rs. 5,000. |
| Add-on card | Add-on cards are not a primary feature of this FD-backed entry-level card; confirm current add-on card availability/fee on idfcfirst.bank.in | — |
| Cash withdrawal | As per IDFC FIRST Bank's standard cash advance charges (percentage of amount withdrawn subject to a minimum fee), plus finance charges from the withdrawal date; confirm the exact current rate on IDFC FIRST Bank's MITC page | — |
| Late payment | 15% | 15% of the total amount due, subject to a minimum of ₹100 and a maximum of ₹1,300 |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹1,250
of one-time welcome value, on top of what you earn
Every year after
₹1,00,000 a year
is what it takes to keep the ₹499 fee off — about ₹8,333 a month
Not available — this card does not offer complimentary domestic airport lounge access
1% waiver. A fuel surcharge waiver applies. IDFC FIRST Bank publishes no transaction range or per-cycle cap for this card.
1% on UPI spends. This is a RuPay card built for UPI. UPI spends through the IDFC FIRST Bank app earn 1% cashback; through third-party apps, 0.5%.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹1,250
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
1
spend threshold you can reach again each year
10% cashback (up to ₹250) on the first transaction done within 15 days of card issuance
5% cashback (up to ₹1,000) on the transaction value of the first EMI conversion done within the first month of card issuance
Spend ₹1,00,000 a year — about ₹8,333 a month
Annual fee waiver (On spending ₹1,00,000 or more in a year)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IDFC BANKIndiGo IDFC FIRST Dual Credit Card₹4,999
IDFC BANKIDFC FIRST WOW! Black Credit Card₹750
IDFC BANKIndiGo IDFC FIRST Dual Credit Card (FD-Backed)₹4,999
IDFC BANKIDFC FIRST Hello Cashback Credit Card₹1,000
Axis BankIndiGo Axis Bank Premium Credit Card BK₹5,000
Axis BankIndiGo Axis Bank Credit Card BKLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IDFC FIRST EA₹N Credit Card · this card | ₹499 | 1% bills | No |
| IndiGo IDFC FIRST Dual Credit Card | ₹4,999 | See card | No |
| IDFC FIRST WOW! Black Credit Card | ₹750 | Up to 16.7% rewards | Included |
| IndiGo IDFC FIRST Dual Credit Card (FD-Backed) | ₹4,999 | See card | No |
| IDFC FIRST Hello Cashback Credit Card | ₹1,000 | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹1,00,000 of annual spend.
The strongest published rate is 1% on bills, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. This is a RuPay card built for UPI. UPI spends through the IDFC FIRST Bank app earn 1% cashback; through third-party apps, 0.5%.
Fuel transactions Rent payments Wallet loads EMI transactions Cash advances and ATM withdrawals The 1% UPI cashback applies only to spends via the IDFC FIRST Bank mobile app; third-party UPI apps earn a lower 0.5%; the 2% (flights) and 5% (hotels) bonus travel cashback apply only to bookings made via the 'FIRST Rewards Gallery' section of the IDFC FIRST Bank app, not external travel platforms Cashback is capped at ₹500 per month on the base cashback program; the accelerated travel bonus cashback (via FIRST Rewards Gallery) is capped separately at ₹2,000 per month
IDFC BANK publishes about ₹5,000 a month for salaried applicants. Meeting the criteria is not an approval — the issuer decides.
Credited as cashback to the card account
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary airport lounge access.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IDFC FIRST EA₹N Credit Card — 1% on bills. ₹499 a year.
