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

FREE

Return Percentage:

NA

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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 logoIDFC

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 — Lounge Access

No airport lounge access on this card

Lounge access is usually reserved for cards with an annual fee.

See cards that include lounge access