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IDFC FIRST Bank EA₹N Credit Card

The IDFC FIRST Bank EA₹N Credit Card provides a secure and virtual payment solution with FD-backed credit, cashback on UPI transactions, and additional perks like discounts.

Joining Fee ₹499

Offers 25% Instant Discount on Movie Tickets

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The IDFC FIRST Bank EA₹N Credit Card is a digital, FD-backed credit card designed for individuals seeking convenience, rewards, and easy access to credit. Secured against a fixed deposit, it allows you to earn up to 1% cashback on eligible UPI transactions and 0.5% cashback on third-party UPI spends, utility bill payments, insurance payments, and wallet loads.

Cardholders can also enjoy a 25% instant discount of up to ₹100 on movie tickets booked through District by Zomato, adding value to entertainment spends. Additionally, the fixed deposit linked to the card continues to earn up to 7.25% p.a. interest, allowing your savings to grow while serving as collateral for the credit card.

Key Highlights of the IDFC FIRST Bank EA₹N Credit Card

Here is what makes this IDFC FIRST Bank’s offering ideal for you:

Joining Fee	₹499 only
Annual Fee	₹499 (2nd Year Onwards)
Suitable For	Cashback
Key Feature	FD-backed security
Cashback Benefit	Earn 1% cashback on eligible UPI transactions made through the IDFC FIRST Bank Mobile App
Joining Bonus	Cashback on the first UPI transaction

Disclaimer: The details mentioned are subject to change at issuer’s discretion.

IDFC FIRST Bank EA₹N Credit Card Cashback and Benefits

Explore the cashback, lifestyle, travel, and protection benefits available with the IDFC FIRST Bank EA₹N Credit Card:

Welcome Benefits

Get 100% cashback of up to ₹500 on your first UPI transaction completed within 15 days of receiving the card.
Earn 5% cashback of up to ₹1,000 on your first EMI transaction made within 30 days of card issuance.

Cashback Benefits

Earn 1% cashback on eligible UPI transactions made through the IDFC FIRST Bank Mobile App.
Earn 0.5% cashback on UPI transactions made through other supported apps.

FD-backed Benefits

Secure your credit card with a fixed deposit of at least ₹5,000.
Continue earning up to 7.25% p.a. interest on the linked fixed deposit while it serves as collateral for the card.

Travel Benefits

Enjoy complimentary roadside assistance worth ₹1,399 for support during travel-related emergencies.

Movie Benefits

Get a 25% instant discount of up to ₹100 on movie tickets booked through District by Zomato.

Insurance Benefits

Benefit	Coverage
Personal Accident Cover	Up to ₹2 Lakhs
Lost Card Liability Protection	Up to ₹25,000 against unauthorised transactions on a lost or stolen card

Digital Convenience

Access a fully virtual credit card without the need for a physical card.
Make seamless UPI payments using the RuPay credit card linked to your credit limit.

Comparison of IDFC FIRST EA₹N and IDFC FIRST WOW! Credit Card

The table below compares the key features, fees, rewards, and benefits of the IDFC FIRST EA₹N Credit Card and the IDFC FIRST WOW! Credit Card:

Feature	IDFC FIRST EA₹N Credit Card	IDFC FIRST WOW! Credit Card
Card Type	FD-backed virtual RuPay credit card	FD-backed secured credit card
UPI	Yes, UPI payments supported with cashback benefits	Not specifically focused on UPI rewards
Minimum Fixed Deposit Amount	₹5,000	₹20,000
Credit Limit	Secured against FD (applicable credit limit linked to FD)	Up to 100% of the fixed deposit value
Joining/Annual Fee	₹499 joining fee and ₹499 annual fee (from 2nd year onwards)	Nil joining fee and nil annual fee (lifetime free)
Welcome Benefits	100% cashback up to ₹500 on the first UPI transaction within 15 days of activation; 5% cashback up to ₹1,000 on the first EMI transaction within 30 days	No specific welcome benefit mentioned
Reward Type	Cashback on eligible UPI, utility, insurance, wallet recharge, and select spending categories	Reward points on eligible spends, with up to 4X reward points on online transactions
Movie Benefits	25% instant discount up to ₹100 on movie tickets booked via District by Zomato	No specific movie benefits available
Forex Charges	3.5% forex markup on international transactions	Zero forex markup

Disclaimer: The details mentioned are subject to change at issuer’s discretion.

IDFC FIRST Bank EA₹N Credit Card Fees and Charges

Here’s a summary of the fees and charges associated with the IDFC FIRST Bank EA₹N Credit Card:

Fees & Charges	Details
Joining Fee	₹499
Annual Fee (2nd Year Onwards)	₹499
Interest Rate (APR)	Starting from 0.75% per month (9% p.a.)
Surcharge on Rent and Property Management Payments	1% surcharge per transaction (Minimum of ₹249)
Forex Markup	3.5% for all international transactions
Surcharge on Utility Spends (above ₹20,000)	1% surcharge (+GST) on total utility spends over ₹20,000 in a single statement cycle (Electricity, Gas, Telecom)

Disclaimer: The charges listed above are subject to change at the discretion of IDFC FIRST Bank. Refer the latest terms and conditions on the official website for the updated fees and charges.

Eligibility Criteria IDFC FIRST Bank EA₹N Credit Card

To apply for this credit card, you must meet the following eligibility criteria:

You must be at least 18 years old
You must be an Indian resident with a valid Indian residential address
You must have at least ₹5,000 saved in a fixed deposit with the bank to secure the applicable credit limit.

Documents Required for IDFC FIRST Bank EA₹N Credit Card

You will need to submit the following documents when applying for this IDFC FIRST Bank credit card:

Proof of identity, such as a PAN card

Proof of residence, such as an Aadhaar card

Credit Card EMI Calculator

Your Credit Card EMI

₹ 454

Total Interest Amount

₹ 444

Transaction Amount

₹ 5,000

Total Payable Amount

₹ 5,444

Loan Amount

1000 1000000

Interest Rate

- +

Tenure

- +

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Year	EMI	Principal	Interest	Balance

How to Apply for the IDFC FIRST Bank EA₹N Credit Card

The process of applying for the IDFC FIRST Bank EA₹N Credit Card online is straightforward. You can apply via Bajaj Markets by following this step-by-step guide:

Check your eligibility by entering your profession, mobile number, and date of birth, then accept the terms and click on ‘Check Card Offer’
Complete the verification by entering the One-Time Password (OTP) sent to your registered mobile number
Verify the pre-filled details, including your PAN number, PIN code, email address, and income information
Select the IDFC FIRST Bank EA₹N Credit Card from the list of available cards
Click ‘Submit’ to finalise your application

IDFC FIRST Bank EA₹N Credit Card Customer Care Details

If you need support regarding your IDFC FIRST Bank EA₹N Credit Card, you can contact customer service via the following channels:

Customer Care Number: 1800-10-888

WhatsApp Chat: Send ‘Hi’ to 9555-555-555 for prompt assistance from a representative

Customer Care Email: banker@idfcfirstbank.com

International Customer Care Number: +91-22-6248-5152 (available for assistance when abroad)

Corporate Office: IDFC FIRST Bank Limited, The Square, C-61, G Block, Ground to 8th Floor, Bandra Kurla Complex, Bandra East, Mumbai – 400051
Registered Office: IDFC FIRST Bank Ltd., KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai - 600031, Tamil Nadu, India

Explore More IDFC First Credit Cards

Idfc first bank credit card	Idfc first bank wealth credit card
Idfc first classic credit card	Idfc first bank millennia credit card
Idfc first bank wow credit card	Idfc first bank power credit card
Idfc first bank swyp credit card	Idfc select credit card
Idfc first bank premium credit cards

IDFC FIRST Bank EA₹N Credit Card vs Others

Here is a comparison of the benefits offered by various IDFC FIRST Bank Credit Cards to help you choose the one that best suits your needs:

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
FIRST EA₹N Virtual Credit Card	✔	✘	✘	✘
FIRST Wealth Credit Card	✔	✔	✔	✔
FIRST Select Credit Card	✔	✔	✔	✔
FIRST SWYP Credit Card	✔	✘	✔	✘
FIRST Classic Credit Card	✔	✘	✔	✔
FIRST Power+ Credit Card	✔	✔	✔	✘
FIRST Millennia Credit Card	✔	✘	✔	✔
FIRST WOW! Credit Card	✔	✘	✘	✘
FIRST Power Credit Card	✔	✘	✔	✘

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Pradnya Ranpise

Financial Content Specialist

Reviewer

Saptarshi Ghosh

Frequently Asked Questions

What will be my credit limit for IDFC FIRST Bank EA₹N Credit Card?

The credit limit for the IDFC FIRST Bank EA₹N Credit Card is equal to the amount of your fixed deposit pledged as collateral, with a minimum requirement of ₹5,000.