Cards / IDFC FIRST

IDFC FIRSTFIRST EA₹NRuPay

FIRST EA₹N Credit Card

IDFC FIRST Bank · Secured (FD backed)

Reviewed by Chandan Kumar Dash

1% cashback on UPI spends via the bank app (virtual FD-backed RuPay card).

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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.

  Source

• 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.

  Source

All card changes in 2026

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. See every card you qualify for.

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 2026.10.06-0001.

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