IDFC FIRST EARN Credit Card – Secured Credit Card

Cashback Benefits

• 1% Cashback: On UPI spends made via the IDFC FIRST Bank mobile app
• 0.5% Cashback: On UPI spends made via other third-party UPI apps (apart from IDFC FIRST bank app), all online spends, utility, insurance, and wallet load transactions
• Capping: Cardholders can earn cashback worth up to Rs. 500 every month
• Exclusions: EMI transactions and cash withdrawals are excluded from cashback benefits

Welcome Bonus

• 100% cashback on the 1st UPI transaction made within 15 days of card generation
• 5% cashback, up to Rs. 1,000, on transaction value of the 1st EMI conversion made within 30 days of card set-up

Other Features & Benefits

• Annual Benefit: 100% cashback, up to Rs. 200 (max. Rs. 50 each), on the first 4 UPI spends made via IDFC FIRST Bank mobile app within 15 days of annual fee being charged
• Movie Discount: 25% off of up to Rs. 100 on District by Zomato once per user for every month
• Dining Offer: 20% off across 1,500+ partner restaurants
• Interest on FD: Attractive interest earnings on the fixed deposit amount
• Credit Limit: Credit limit assigned to the card would be a minimum of 100% of the FD value
• EMI Conversion: Option to convert UPI spends worth a min. of Rs. 2,500 into easy EMIs
• Roadside Assistance: Complimentary roadside assistance up to 4 times a year worth Rs. 1,399 via Global Assure
• Insurance Covers:

Covers	Amount
Lost Card Liability	Rs. 2 lakh
Credit Shield	Rs. 50,000
Personal Accident	Rs. 25,000
Purchase Protection	Rs. 25,000

In addition to the above mentioned covers, this card also offers travel insurance to cover loss of passport or other travel documents, delay in flight, loss or delay of checked-in baggage.

IDFC FIRST Earn Credit Card can be the right choice for you if you are beginning your credit journey and are new to handling a credit card. With up to 1% cashback rate, it allows the cardholders earn value-back on their daily spends in a hassle-free manner, and offers savings on movies and dining bills. These benefits are accompanied with additional earnings in the form of interest on the fixed deposit against which the card is issued.

Get this card if:

• You are new to credit cards and want a card to understand how credit works and to build credit score
• You want an entry-level low annual fee card
• You prefer to get value-back in the form of cashback over reward points
• You often go out to watch movies or to dine-out
• You want a card that gives decent value-back on UPI transactions

Look for other options if:

• You have a good credit score and do not want a secured card
• You are looking for a life-time free credit card
• You want a card that offers category or brand-specific benefits

Fees & Charges	Amount
Joining/ Annual Fee	Rs. 499 + Applicable Taxes
Financial Charges (if repayment is between Minimum Amount Due & Total Amount Due)	0.71% to 3.85% per month (8.5% to 46.2% p.a.)
Late Payment Charges	15% of the outstanding balance, subject to a min. of Rs. 100 and a max. of Rs. 1,300

Click here for the detailed fees and charges, along with terms and conditions applicable on IDFC FIRST credit cards.

Though the final decision regarding your credit card eligibility depends upon the bank’s internal policies, there are certain criteria, as given below, that you must satisfy:

Criteria	Details
Age	18 years or above
Nationality	Indian citizen with an Indian current & permanent residential address
Fixed Deposit	Fixed deposit of min. Rs. 5,000 with IDFC FIRST Bank
Income Proof	Not required

Q. How to apply for IDFC FIRST EARN Credit Card?
A. You can get an IDFC FIRST Earn Credit Card by applying online via the IDFC FIRST bank official website. First, you have to register and verify your details and create a fixed deposit of min. Rs. 5,000. Then you can complete your KYC process during which you may be asked to share proof of identity like your Aadhaar and PAN cards among other details.

Q. Can I get an add-on card for IDFC FIRST Earn Credit Card?
A. No, add-on card facility is not available for IDFC FIRST Earn Credit Card as it is an FD-backed secured card.

Q. What is the credit limit of IDFC FIRST Earn Credit Card?
A. The credit limit for IDFC FIRST Earn Credit Card is minimum 100% of the fixed deposit amount.