IDFC FIRST EA₹N Credit Card
by IDFC FIRST Bank · Data verified 4 days ago
Secured virtual RuPay credit card backed by Fixed Deposit offering 1% cashback on UPI spends and zero income proof.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 100% guaranteed approval backed by Fixed Deposit starting at just ₹5,000
- No income documents, payslips, or credit history required to get approved
- RuPay virtual card enables direct UPI scan-and-pay payments with 1% cashback
- Credit card limit backed 100% by FD while earning competitive FD interest
- Helps build or rebuild credit score quickly with prompt monthly reporting
Things to Consider
- Carries an annual fee of ₹499 unless ₹1 Lakh annual spend is reached
- Virtual-only card; physical card issuance requires separate request/charges
- No airport lounge access
- 1% cashback requires using the IDFC FIRST Bank app rather than GPay/PhonePe
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Fuel Savings
₹100/mo
Lost Card Cover
₹25,000
Movies
- •Periodic movie ticket discounts on select partner entertainment platforms
Dining
- •Dining discount offers across partner outlets via the IDFC FIRST Bank app
Shopping
- •0.5% to 1% direct cashback on retail and online merchant purchases
Travel
- •Additional 1% bonus cashback on flight and hotel bookings made via IDFC FIRST Bank mobile app
- •Complimentary 24x7 Roadside Assistance across India
Special Offers & Features
- •1% direct cashback on total statement balance repayment up to ₹1,000 per billing month
- •RuPay UPI merchant payments enabled via BHIM, PhonePe, Google Pay, Paytm
- •Comprehensive shopkeeper insurance protection and zero lost card liability cover
Card Features
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC FIRST EA₹N Credit Card
10X Reward Points on Dining, Travel & International — No Minimum Spend Required
IDFC First Millennia cardholders now earn 10X Reward Points on Dining, Travel, and International transactions from the very first transaction — the previous ₹20,000 minimum monthly spend requirement has been removed. Effective June 18, 2026.
Effective June 18, 2026. 10X reward points on Dining, Travel, and International purchases from first transaction. 3X on other retail spends. 1X on insurance, utilities, railways, FASTag. No reward points on fuel, EMI, or cash withdrawals. Dining and Travel identified via MCC codes.
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC FIRST EA₹N Credit Card
- • Min age: 18 years
- • Salaried: As per bank eligibility guidelines
- • Self-employed: As per bank eligibility guidelines
- • CIBIL: 700+ recommended
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC FIRST EA₹N Credit Card today and unlock amazing rewards and premium experiences.
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