FIRST EARN Secured RuPay Credit Card

Rewards, as stated by the issuer

• Earn up to 1% cashback on UPI spends
• Joining Offer: 10% cashback of up to ₹250 on first transaction*
• Limited Period Offer: ₹0 ₹499+GST Joining Fee + 10% cashback up to ₹250 on 1 st transaction
• 0.5% Cashback*
• 0.5% cashback on all utility, insurance, and wallet load | *Cashback will be capped at ₹500 in a statement cycle
• Up to 5% Bonus Cashback on Travel Bookings
• Start Earning 1% Cashback
• Once your card is generated, it will be linked automatically to your IDFC FIRST Mobile App. Scan to open the app and earn 1% cashback on UPI spends.
• Once your card is generated, scan the QR code to instantly link your FIRST EA₹N Credit Card and start earning 0.5% cashback on UPI spends.
• 2% Bonus Cashback on Fight bookings
• 5% Bonus Cashback on Hotel bookings
• The FIRST EA₹N Credit Card gives you cashback on every purchase. You get 1% cashback on UPI payments made via the IDFC FIRST Bank mobile app. All online spending and UPI payments via other apps earn you 0.5% cashback.
• You can earn 1% cashback on UPI spends through the IDFC FIRST Bank mobile app and 0.5% cashback through third-party UPI platforms like Phonepe, GPay, Paytm etc and all online spends. You will get 0.5% cashback on utility, insurance, and wallet loads.
• You can earn cashback* of ₹500 in a statement cycle.​
• Yes, you can earn 10% cashback up to ₹250 on your first transaction, done within 15 days of card generation. Card generation refers to the point at which your card is created along with FD funding.
• * ₹1,00,000 spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds
• *₹1,00,000 spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds
• ₹1,00,000 spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds

Other benefits

• Joining Fee: ₹0 ₹499+GST (Limited Period Offer)
• One Virtual Card, Endless Benefits - From Cashback to Movie Discounts!
• *Above offer will be applicable for new cards issued
• off up to ₹100 on movie tickets, valid once a month
• Disclaimer: *₹0 Joining Fee is a Limited Time Period Offer​
• Discover the top RuPay card benefits unlocked with the FIRST EA₹N Credit Card
• Discover the benefits and how to get a RuPay Credit Card on UPI from IDFC FIRST Bank.
• What offers are available on IDFC FIRST Bank Credit Cards?
• IDFC FIRST Bank Credit Cards provide a host of benefits, offers and features. Depending on the variant, IDFC FIRST Bank credit cards offer lifestyle benefits like discounts on shopping, dining, and movies. Benefits include discounts at health and wellness outlets, and in-app online discounts.
• Cash withdrawal and EMI transactions are excluded from cashback offers.
• Is there any welcome offer benefit on the FIRST EA₹N Credit Card?
• 3. Earn interest on fixed deposit : Cardholders can continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.
• (limited time offer, for new cards issued on or after 16 Dec'25 )
• Is there any movie offer on FIRST EARN Credit Card?
• Yes. With FIRST EARN, you get 25% off up to ₹100 every month on movie ticket bookings made through District by Zomato. This benefit can be availed once per calendar month and is subject to availability on the platform. ​​
• To avail the movie benefit in the next month, you need to stay spend-active with any transaction in the current calendar month.​​
• For example, to avail the movie benefit in July 2026, you must have made at least one transaction in June 2026 calendar month.​
• Your credit limit gives you higher spending power and helps you make the most of your card benefits along with merchant offers all year long.

Welcome & milestones

Lounge access

No airport lounge rule is listed on this card's page.

Eligibility

Every fee line found on the page

• Joining Fee: ₹0 ₹499+GST (Limited Period Offer)
• Annual Fee: ₹499 +GST or ₹0 on annual spends of ₹1 lakh and above
• Joining Offer: 10% cashback of up to ₹250 on first transaction*
• Limited Period Offer: ₹0 ₹499+GST Joining Fee + 10% cashback up to ₹250 on 1 st transaction
• Annual Fee: ₹499+GST or ₹0 on annual spends of ₹1 lakh and above
• Joining Fee: ₹0* ₹499+GST
• Annual Fee (2 nd year onwards): ₹499+GST , waived off on annual spends of ₹1 lakh and more
• Disclaimer: *₹0 Joining Fee is a Limited Time Period Offer​
• Interest Rate (APR) Starting from 8.5% - 46.2% per annum.
• Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction
• Forex Markup at 3.5% for all international transactions
• Utility spends (Electricity, Gas, Telecom etc.) above ₹20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle
• FIRST EA₹N credit card comes with spend based annual fee waiver. Your annual fee of ₹499+GST is waived if you spend ₹1,00,000* or more in your previous anniversary year
• The FIRST EA₹N Credit Card comes with the Joining Fee of ₹0
• The FIRST EA₹N Credit Card comes with the Annual fee (2nd year onwards) of ₹499 + GST.
• Your ₹499+GST annual fee is waived if you spend ₹1,00,000* or more in your previous anniversary year
• Yes, your annual fee of ₹499+GST will be waived when you spend ₹1,00,000* or more in your previous anniversary year