Will my fixed deposit remain locked if opt for FIRST EA₹N credit card?

Your FD will remain as collateral, and you cannot withdraw it until the card is closed.

Can I use this credit card for UPI payments?

Yes, you can link this card to UPI apps and make seamless transactions.

How much cashback can I earn?

You can get 5% cashback on your first EMI transaction within 30 days of card activation (up to Rs.1,000).

Can I convert transactions into EMIs?

Yes, UPI transactions of Rs.2,500 or more can be converted into easy EMIs.

IDFC FIRST EARN RuPay Credit Card

The IDFC FIRST Bank's FIRST EARN RuPay Credit Card is a secured credit card designed to help individuals build or improve their credit scores while enjoying a range of benefits. This virtual card is issued against a fixed deposit (FD) with the bank, ensuring a seamless and secure online payment experience. Read on to know more about it.

Features and Benefits of the IDFC Bank’s FIRST EA₹N RuPay Credit Card

The features and benefits of the IDFC Bank’s FIRST EA₹N RuPay Credit Card are as listed below:

Cashback Rewards: You earn 1% cashback on UPI transactions made through the IDFC FIRST Bank mobile app and 0.5% cashback on UPI transactions via third-party apps, as well as on insurance, utility, wallet, and online spends. Do note that the cashback is capped at Rs.500.
Welcome Benefit: You will receive 100% cashback up to Rs.500 on your first UPI transaction made within 15 days of card issuance through any UPI app. You also get a cashback of up to Rs.1,000 on the transaction value of your first EMI done within the first 30 days of your card set up.
UPI Integration: This card is automatically linked to the IDFC FIRST Bank mobile banking app for UPI payments, facilitating easy and quick transactions.
Easy EMIs: You can convert your UPI transactions worth Rs. 2,500 and above into easy EMIs.
Additional Perks: Enjoy a 25% discount (up to Rs.100) on movie tickets purchased via the District app by Zomato once a month and 20% discount at more than 1500 restaurants.
Lost card liability: With this card, you get lost card liability of Rs.25,000.
Add-on benefits: Get complimentary roadside assistance worth Rs.1,399 and personal accident cover of Rs.2,00,000.

Eligibility criteria to apply for IDFC Bank’s FIRST EA₹N RuPay Credit Card

The eligibility criteria to apply for IDFC Bank’s FIRST EA₹N RuPay Credit Card are as follows:

The applicant should be at least 18 years of age or above.
The applicant should be an Indian citizen with a current and permanent residential address.
The applicant should have a fixed deposit of a minimum of Rs. 50,000 with IDFC First Bank.

Fees and Charges of the IDFC Bank’s FIRST EA₹N RuPay Credit Card

The fees and charges of the IDFC Bank’s FIRST EA₹N RuPay credit card are as follows:

Type of Charge	Fee
Joining fee	Rs.499 +GST
Annual fee	Rs.499 + GST (second year onwards)
Add-on credit card	Rs.100 per add-on card (Maximum of four cards)
Forex Markup fee	3.5% for international transactions
Surcharge on payment for rent and property	1%

How to apply for IDFC Bank’s FIRST EA₹N RuPay Credit Card

Follow the steps given below to apply for IDFC Bank’s FIRST EA₹N RuPay Credit Card:

Step 1: You need to register yourself for IDFC Bank’s FIRST EA₹N RuPay credit card and verify your details.

Step 2: You need to select and fund your fixed deposit at IDFC bank. Do note that a fixed deposit of a minimum of Rs.50, 000 is required to apply for this credit card.

Step 3: Complete your KYC process and get your First EA₹N RuPay Credit Card.

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FAQs on FIRST EARN RuPay Credit Card

Will my fixed deposit remain locked if opt for FIRST EA₹N credit card?
Your FD will remain as collateral, and you cannot withdraw it until the card is closed.
Can I use this credit card for UPI payments?
Yes, you can link this card to UPI apps and make seamless transactions.
How much cashback can I earn?
You can get 5% cashback on your first EMI transaction within 30 days of card activation (up to Rs.1,000).
Can I convert transactions into EMIs?
Yes, UPI transactions of Rs.2,500 or more can be converted into easy EMIs.

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