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

FREE

Return Percentage:

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 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 — Milestones

  1. Welcome benefit

    No spend needed — within 15 days

    Get 10% cashback upto ₹250

  2. Welcome benefit

    Spend ₹1 within 30 days

    Get 5% cashback upto ₹1000