Welcome benefits: Users will get 100% cashback up to INR 500 on the first UPI transactions made through the IDFC FIRST Bank mobile app within 15 days of digital card generation. Additionally, users will get 5% cashback up to INR 1,000 of the first EMI transaction done within 30 days of card set-up.
INR 50 each cashback on first four UPI transactions made through IDFC First mobile app.
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IDFC First Earn RuPay Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefits: Users will get 100% cashback up to INR 500 on the first UPI transactions made through the IDFC FIRST Bank mobile app within 15 days of digital card generation. Additionally, users will get 5% cashback up to INR 1,000 of the first EMI transaction done within 30 days of card set-up.
INR 50 each cashback on first four UPI transactions made through IDFC First mobile app.
Milestone Benefits
None.
Cashback Rate
1% cashback on UPI spend via the IDFC FIRST Bank mobile app.
0.5% cashback on UPI spends via other apps.
0.5% cashback on all online spends, cashback will be capped at INR 500 in a statement cycle.
Movie Benefits
25% discount up to INR 100 on Paytm movie tickets.
Dining Benefits
20% discount across 1,500+ restaurants.
Other Benefits
Roadside assistance service for free, worth INR 1,399.
Free personal accident cover of INR 2 Lakhs.
The credit card is issued against a fixed deposit made by the user. The credit card is thus guaranteed and there are no rejections.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome benefits: Users will get 100% cashback up to INR 500 on the first UPI transactions made through the IDFC FIRST Bank mobile app within 15 days of digital card generation. Additionally, users will get 5% cashback up to INR 1,000 of the first EMI transaction done within 30 days of card set-up.
INR 50 each cashback on first four UPI transactions made through IDFC First mobile app.
Milestone Benefits
None.
Cashback Rate
1% cashback on UPI spend via the IDFC FIRST Bank mobile app.
0.5% cashback on UPI spends via other apps.
0.5% cashback on all online spends, cashback will be capped at INR 500 in a statement cycle.
Movie Benefits
25% discount up to INR 100 on Paytm movie tickets.
Dining Benefits
20% discount across 1,500+ restaurants.
Other Benefits
Roadside assistance service for free, worth INR 1,399.
Free personal accident cover of INR 2 Lakhs.
The credit card is issued against a fixed deposit made by the user. The credit card is thus guaranteed and there are no rejections.
Lounge Access
None.
Fees & Charges of
IDFC First Earn RuPay Credit Card
Joining Fee
Rs. 499 plus taxes.
Annual Fee
Annual membership fee: Rs. 499 plus taxes.
Cash Advance Fee
Cash advance fee: Rs. 199
Interest rate
Interest rate: 0.75% monthly, 9% annually.
Late Payment Fee
Late payment charges: INR100 to INR1300.
Foreign Currency Transactions Fee
Foreign currency markup fee: 3.5%
Other Fees
Reward redemption fee: ₹99 per redemption request | Fuel surcharge: 1%
Joining Fee
Rs. 499 plus taxes.
Annual Fee
Annual membership fee: Rs. 499 plus taxes.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 0.75% monthly, 9% annually.
Late Payment Fee
Late payment charges: INR100 to INR1300.
Foreign Currency Transactions Fee
Foreign currency markup fee: 3.5%
Other Fees
Reward redemption fee: ₹99 per redemption request | Fuel surcharge: 1%
Fee and Charges of
IDFC First Earn RuPay Credit Card
Special Features
Low interest rates.
Eligibility Criteria
There is no credit history required. All you need is a fixed deposit with the Bank.
Speical Feature, Eligibility and Benefits of
IDFC First Earn RuPay Credit Card
How to apply for Credit Card?
Online Application:
Visit the IDFC First Bank Website: Go to the official website of IDFC First Bank.
Locate the Credit Card Section: Look for the section dedicated to credit cards or search for "FIRST EARN RuPay Credit Card."
Click on "Apply Now": Find the "Apply Now" button for the FIRST EARN RuPay Credit Card and click on it.
Fill in the Application Form: Provide the necessary personal and financial information as required.
Upload Required Documents: You may need to upload documents like your PAN card, Aadhaar card, income proof, and address proof.
Submit the Application: Review your application and submit it online.
Offline Application:
Visit an IDFC First Bank Branch: Locate the nearest branch to you.
Request an Application Form: Ask the bank representative for a FIRST EARN RuPay Credit Card application form.
Fill in the Form: Complete the form with accurate information.
Submit the Form and Documents: Submit the filled form along with the required documents to the bank representative.
Contact Details
Customer care hotline
1800 10 888
Account Opening and Procedure of
IDFC First Earn RuPay Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The card offers low cashback rate. The card comes with standard value add features .
The card offers low cashback rate. The card comes with standard value add features .
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai