cashback
IDFC FIRST EA₹N Credit Card
A digital-first secured RuPay card focused on UPI cashback and instant virtual issuance.₹499+GST; annual fee waived on ₹1 lakh annual spend
Annual Fee
₹499+GST; annual fee waived on ₹1 lakh annual spend
Rewards
1% cashback on UPI through IDFC FIRST Bank app; 0.5% on UPI through other apps and eligible online spends; 0.5% utilities, insurance and wallet loads; ₹500 cashback cap/cycle
Lounge Access
None
Fuel Waiver
Not confirmed
Milestone
₹1 lakh annual spend waives annual fee
Best For
UPI-heavy users building credit against an FD
Welcome Offer
Up to ₹250 cashback on first qualifying transaction; current issuance promotion may waive initial issuance fee
Type
Cashback
Description
FIRST EA₹N is an FD-backed, UPI-ready virtual RuPay card designed around everyday digital payments. It currently earns 1% cashback on UPI payments through the IDFC FIRST Bank mobile app and 0.5% on UPI transactions through third-party apps and eligible online spending. Utilities, insurance and wallet loads also earn 0.5%, with aggregate cashback capped at ₹500 per statement cycle. The card also offers monthly movie discounts and bonus cashback on qualifying travel bookings through the bank app.
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