IDFC FIRST EA₹N Credit Card
IDFC FIRST Bank · RuPay · Entry card
It combines a small ₹5,000 FD entry point, UPI cashback and a usable monthly movie discount.
First-card users who prefer IDFC FIRST Bank and want UPI plus a modest movie benefit.
Terms checked 24 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹0
- Base reward rate
- 0.5%
- Forex markup
- 0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Fuel & commute | 0.5% |
| Travel & hotels | 0.5% |
| Bills & utilities | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| House rent | 0.5% |
| Insurance premiums | 0.5% |
| Other miscellaneous | 0.5% |
Caps and fee waiver
- Reward caps
- Total statement cashback: ₹500/statement cycle
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Fixed-deposit backed
Airport lounge access
No complimentary airport lounge access recorded
Movies and entertainment
District · 25% discount · up to ₹100 · 1 use/month
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
IDFC app UPI cashback
Usage-based value1% only on eligible merchant UPI transactions completed through the IDFC FIRST Bank app; cashback requires timely minimum-due payment.
Conditions: 1% only on eligible merchant UPI transactions completed through the IDFC FIRST Bank app; cashback requires timely minimum-due payment.
Other eligible cashback
Usage-based value0.5% on other eligible purchases, including qualifying UPI through other apps; cashback requires timely minimum-due payment.
1% cashback on eligible UPI through the IDFC FIRST Bank app
Shown without a cash value₹500 total cashback cap per statement cycle
Shown without a cash value
Fees · 1 item
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
Exclusions: fuelCommute
Welcome benefits · 1 item
₹250 first-transaction cashback
Recorded value ₹25010% cashback on the first eligible transaction, capped at ₹250.
Conditions: Complete the first eligible transaction within 15 days of card generation · Offer applies to eligible cards issued under the current limited-time programme
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹1,20025% discount up to ₹100, 1 time per month.
Travel privileges · 1 item
Up to 5% bonus on eligible travel booked through the bank app; no automatic value is assigned without exact booking context
Shown without a cash value
Insurance and protection · 1 item
Lost-card liability up to ₹25,000 and personal-accident cover up to ₹2 lakh under issuer terms
Shown without a cash value
Foreign-currency charges · 2 items
Zero forex markup
Usage-based value0% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Zero issuer forex markup
Shown without a cash value
Eligibility and availability · 1 item
Restricted application availability
Shown without a cash valueApplication availability: secured. Fixed deposit starts at ₹5,000 and becomes 100% of the card limit. No income proof or prior credit history is required; current age range is 18-80.
Other benefits · 4 items
Roadside assistance package under issuer terms
Shown without a cash valuePhysical card costs ₹199 plus GST
Shown without a cash value1% fuel-surcharge waiver under issuer terms
Shown without a cash value0.5% on other eligible purchases
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 1% cashback on eligible UPI through the IDFC FIRST Bank app
- ✓ 0.5% on other eligible purchases
- ✓ ₹500 total cashback cap per statement cycle
- ✓ Zero issuer forex markup
What to watch
The 1% rate requires the bank app, cashback is capped at ₹500 per statement cycle, and all cashback for a cycle is forfeited if the minimum amount due is not paid by the due date.
Recorded exclusions
Cash withdrawal · Emi conversion · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value improved
Zero forex markup introduced
IDFC FIRST Bank extended zero issuer forex markup to current credit cards.
- Before
- The prior foreign-currency markup applied.
- After
- Eligible foreign-currency purchases carry 0% issuer forex markup.
Checked 24 Sept 2026IDFC FIRST zero-forex announcement ↗ - Value improved
Current fee and welcome offer introduced
New cards receive zero joining fee and a capped first-transaction welcome cashback under the current limited-time offer.
- Before
- The prior joining-fee and welcome schedule applied.
- After
- Joining fee is ₹0 and the first eligible transaction within 15 days earns 10% cashback capped at ₹250.
Checked 24 Sept 2026IDFC FIRST EA₹N product page ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026 · Latest recorded change effective 17 Sept 2026