IDFC FIRST EARN Credit Card
Card Details
Card Details
- Issuer
- IDFC FIRST Bank
- Card type
- Cashback
- Joining fee
- Nil (Limited Time)
- Annual fee
- ₹499 + GST
- Rewards currency
- Cashback
Highlights
Highlights
- 1% Cashback on UPI (via IDFC App)
- 0.5% Cashback on All Spends
- FD-Backed (Min ₹5,000)
- Annual Fee Waiver on ₹1L Spend
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining Fee: Nil (limited time). Annual Fee: ₹499 + GST.
- Welcome: 10% cashback up to ₹250 on first transaction within 15 days.
- Annual fee waiver on ₹1L spend.
- Minimum FD: ₹5,000.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| UPI via IDFC FIRST App | 1% Cashback |
| All Other Spends (incl. UPI on other apps) | 0.5% Cashback |
| Utilities, Insurance, Wallet | 0.5% Cashback |
| Flights via IDFC Travel Shop | 4.5% Cashback |
| Hotels via IDFC Travel Shop | 8.5% Cashback |
- Cashback capped at ₹500 per statement cycle.
- No cashback on EMI and cash transactions.
- Cashback auto-credited to card account.
Additional Benefits
Additional Benefits
- 25% off movies on District app (up to ₹100/month).
- Roadside assistance worth ₹1,399.
- RuPay network — easily linked to UPI.
Review
Review
With IDFC Travel shop cashback this is one of the best entry level travel credit card. Since the card is FD backed, approvals should be easier.