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IDFC FIRST Bank
IDFC FIRST EARN Credit Card
RuPay
IDFC FIRST EARN Credit Card
FIRST EARN is IDFC FIRST Bank's entry-level, FD-backed virtual RuPay card aimed at first-time credit users and UPI-first spenders. It can be opened against a deposit as small as ₹5,000 and pays a flat 1% cashback, making it a low-commitment way to start a credit history and link RuPay to UPI.
Annual fee
₹499
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 0%
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- Virtual RuPay card issued instantly against a fixed deposit starting from ₹5,000; credit limit tracks the FD value.
- Flat 1% cashback on all spends, credited automatically.
Pros
- + Very low minimum FD requirement (₹5,000)
- + Instant virtual card issuance
- + Flat 1% cashback on all spends
- + RuPay-UPI linkage for everyday QR payments
Cons
- − ₹499 annual fee with no stated waiver
- − Virtual-only card, no physical card by default
- − Reward rate is unremarkable versus unsecured cashback cards