IDFC FIRST Bank FIRST EA₹N Credit Card

IDFC FIRST Bank · Open to apply

A virtual RuPay credit card issued against an IDFC FIRST fixed deposit from ₹5,000, with no income proof. 0.5% cashback on online and UPI spends (1% on UPI paid through the bank's own app), up to ₹500 a statement, plus bonus cashback on travel booked in the app.

Annual fee
₹499 + GST a year
Joining fee
₹499 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
0.5% cashback on online spends, UPI through other apps, utilities, insurance and wallet loads: 0.5% cashback (about 0.5% at cash value)
Lounges
None on record
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 5% bonus cashback: 5% cashback on top of the base rate (about 5% at cash value)
  • Flights booked in the IDFC FIRST app, 2% bonus cashback: 2% cashback on top of the base rate (about 2% at cash value)
  • 1% cashback on UPI paid through the IDFC FIRST Bank app: 1% cashback (about 1% at cash value)

Earns nothing on

  • No cashback on EMI and cash withdrawals

Where the sources disagree

  • Joining fee: The MITC gives a ₹499 joining fee. The product page shows ₹0 as a limited-period offer and the welcome kit says ₹0 applies to cards issued from 16 December 2025. We use the MITC.
  • App travel bonus rates: The December 2025 letter introduces 8% bonus cashback on app hotel bookings and 4% on flights. The cashback T&C (PDF created 11 May 2026), the welcome kit and the product page give 5% and 2%, and the May 2026 letter says holders "continue to earn" 5% and 2%. The exact date of the cut is not stated; the T&C and the May letter were both created on 11 May 2026 and the letter already says "continue to earn" 5% and 2%, so the cut is dated no later than 11 May 2026 (an upper bound, not the bank's date).

Terms the calculator does not value

  • ₹0 joining fee for cards issued from 16 December 2025, described as a limited-period offer with no end date; the MITC fee is ₹499 + GST.
  • Welcome offer for cards issued from 16 December 2025: 10% cashback up to ₹250 on the first transaction within 15 days of card generation, called a limited-time offer.
  • Cashback is earned only on spends up to the credit limit (the FD amount) in a billing cycle (from 18 June 2026), and is forfeited for a cycle in which the minimum due is not paid by the due date.
  • The fixed deposit keeps earning interest while it secures the card; the calculator does not count deposit interest or the cost of locking the money.

Sources

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