IDFC First Earn (FD) credit card credit card
Joining Fee:

FREE

Return Percentage:

NA

Apply Now

Credit Card Overview

The IDFC FIRST EARN Credit Card is a secured, FD‑backed RuPay card that earns flat cashback on UPI spends (1% via the bank app, 0.5% on others) with welcome cashback offers and capped monthly rewards.

Best Suited For:

IDFC logoIDFCRuPay

Fees and charges at a glance

Annual fee
₹499

Charged every year you keep the card

Joining fee
Free

No cost to get the card

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
47.88% p.a.

Only if you don't pay the full bill

IDFC First Earn (FD) credit card — Earn Categories

Other categories

  • Hotels (IDFC)8.5 Cashback / ₹100
  • Flights (IDFC)4.5 Cashback / ₹100

Everyday rate

  • Base Rewards0.5 Cashback / ₹100

1 more earning category on this card

We track all 4 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Insurance
  • EMI
  • Utilities
  • Wallets