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Credit Cards · India

IDFC FIRST EARN Credit Card

Updated 3 Jul 2026Source-linked

The IDFC FIRST EARN Credit Card is a entry credit card from IDFC FIRST Bank, with a joining fee of ₹499 + GST.

It earns up to 1% on upi via idfc app spends in the form of cashback.

Welcome benefit: 10% cashback up to ₹250 on first transaction.

IDFC FIRST Bank logo
IDFC FIRST EARN Credit Card
RuPay logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 1% on upi via idfc app (cap 500 cashback inr / statement)
  • Base 0.50% on other spends
Welcome Benefits
  • 10% cashback up to ₹250 on first transaction
Data verified 3 Jul 2026 — see our methodology
IDFC FIRST Bank logoIDFC FIRSTRuPay logoplatinumentry
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Rewards and Benefits

Rewards Rate
1% on upi via idfc app (cap 500 cashback inr / statement)
Base 0.50% on other spends.
Reward Redemption
IDFC FIRST Cashback: Redeem at ₹1 per unit.
Welcome Benefits
10% cashback up to ₹250 on first transaction
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
DISCOUNT on partner cinemas
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹150/mo

    You spend ₹15,000 · earns 1.0% = ₹150 uncapped

    • Capped at ₹500/mo

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Groceries₹8,000 · 0.5% = ₹40/mo
  • Dining & food delivery₹8,000 · 0.5% = ₹40/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.5% = ₹50/mo
  • Utilities & bills₹5,000 · 0.5% = ₹25/mo
Est.net rewards for this spend, realistic
₹3,660/yr

₹3,660 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by IDFC FIRST Bank.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹250 welcome benefit

  • 10% cashback up to ₹250 on first transaction
    First transaction
    Window: 30 days from issuance.

Accelerated rewards

  • 1% on upi via idfc app (cap 500 cashback inr / statement)
    1% cashback on UPI spends via the IDFC FIRST Bank app; 0.5% on UPI via other apps, all online spends, and utility/insurance/wallet loads. Total cashback capped ₹500/statement.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • emi
  • rent

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
—
Income (salaried)
—
Income (self-employed)
—

FD-backed — issued against a fixed deposit (min ₹5,000); no income/credit-history requirement.

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