FD-backed UPI card
IDFC FIRST EA₹N Credit Card
An FD-backed RuPay card from just ₹5,000 for UPI payments: 1% cashback on UPI through the IDFC FIRST app, 0.5% elsewhere and 0% forex markup.
Joining feeFree
Annual fee₹499 + GST from year 2
Fee waiverOn ₹1 lakh spend a year
SecurityFD of ₹5,000 or more
LoungeNone
Forex markup0%
Best for: First-time users who mostly pay by UPI and want to build a credit score.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| UPI through the IDFC FIRST app | 1% cashback | ₹500 a cycle in total |
| UPI on other apps, bills, insurance, wallets, other online spends | 0.5% cashback | Shared ₹500 a cycle |
| Hotels and flights through FIRST Rewards Gallery | 5.5% on hotels, 2.5% on flights | ₹2,000 a month |
| Cash advances, EMI | Nothing | – |
- Cashback counts only on spends up to your credit limit each cycle.
Benefits
Welcome benefit
- 10% cashback up to ₹250 on your first transaction within 15 days.
Milestones
- Annual fee waived on ₹1 lakh spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 0% forex markup.
Other perks
- 25% off movie tickets on District, up to ₹100 a month (needs card use in the previous month)
- Virtual card by default; physical card ₹199 + GST
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | ₹499 + GST from year 2, waived on ₹1 lakh yearly spend |
| Security | Fixed deposit of ₹5,000 or more |
| Forex markup | 0% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18 to 80
- No income proof needed; open an FD of ₹5,000 or more
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Very low FD needed
- Cashback on UPI
- 0% forex markup
Watch out for
- Low ₹500 cashback cap
- Fee from year 2
- No lounges
Recent changes
- 9 Sep 2026Forex markup cut to 0%.
- 18 Jun 2026Cashback limited to spends within the credit limit.
Frequently asked questions
Do I need a salary for IDFC FIRST EA₹N?
No. It is backed by a fixed deposit of at least ₹5,000.
Ready to apply for the IDFC FIRST EA₹N Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.