About IDFC FIRST EARN Credit Card
The IDFC FIRST EARN credit card is a secured virtual RuPay credit card that requires a fixed deposit with the bank to set the credit limit — typically equal to 100% of the deposit amount. It is designed for users who want to earn cashback on routine digital spends; for example, you can get 1% cashback on UPI transactions via the IDFC FIRST Bank app and 0.5% on other UPI or online transactions, with monthly caps applying to the cashback earned. Additionally, new cardholders enjoy welcome rewards including cashback on their first UPI and EMI transactions, along with lifestyle benefits such as discounts on movies and dining.
This card is particularly suited for first‑time credit users or individuals looking for a low‑fee, cashback‑focused credit card that also helps in building credit history. Beyond cashback, it offers the flexibility to convert eligible UPI spends into EMIs, roadside assistance through Global Assure, and several insurance covers, including personal accident and purchase protection. While the card carries an annual fee, these additional perks and earnings on everyday digital payments make it a compelling option for users seeking simple rewards and digital convenience.
IDFC FIRST EARN Credit Card: Features & Benefits
Cashback Rewards
1% Cashback: Earned on UPI transactions made through the IDFC FIRST Bank mobile app.
0.5% Cashback: Applicable on utility bills, insurance payments, wallet top-ups, other online spends, and UPI transactions through third-party apps.
Monthly Limit: Maximum cashback of Rs. 500 per month.
Exclusions: Cashback is not applicable on EMI payments or cash withdrawals.
Bonus Cashback on Travel
Hotel Bookings: Get 8% bonus cashback on hotel reservations via the ‘Travel & Shop’ section on the IDFC FIRST app.
Flight Bookings: Earn 4% bonus cashback on flight tickets booked through the same section.
Bonus Limit: Bonus cashback capped at Rs. 2,000 per month.
Effective Cashback: Total potential cashback reaches 8.5% on hotels and 4.5% on flights.
Note: Bonus cashback does not apply to transactions using the ‘Cash+Points’ redemption option.
Other Benefits
Welcome Offer: 10% cashback up to Rs. 250 on the first transaction within 15 days of card issuance.
Movie Discount: Enjoy 25% off (up to Rs. 100) once a month on District by Zomato with code IDFCCCFM.
Dining Offer: 20% discount at over 1,500 partner restaurants.
EMI Conversion: Convert UPI spends of Rs. 2,500 or more into easy EMIs.
Roadside Assistance: Free roadside support up to 4 times a year, valued at Rs. 1,399, via Global Assure.
IDFC FIRST EARN Credit Card Reward Points & Cashback Calculator
Should You Consider the IDFC FIRST EARN Virtual Credit Card?
The IDFC FIRST EARN Credit Card is ideal for individuals who are new to credit and want a simple way to start managing a credit card. With up to 1% cashback on everyday spends, it helps users earn value-back conveniently while also offering discounts on movies and dining. Additionally, since the card is backed by a fixed deposit, cardholders continue to earn interest on their deposit, making it a safe and rewarding option for beginners.
This Card is a Good Fit If You:
Are new to credit cards and want to learn how to manage credit while building your credit score.
Prefer an entry-level card with a low annual fee.
Like cashback rewards rather than points-based reward programs.
Frequently go to movies or dine out.
Want meaningful cashback on UPI transactions.
You Might Consider Other Options If:
You have a strong credit history and don’t need a secured card.
You are looking for a credit card with no annual fees for life.
You prefer cards that offer specialized benefits tied to specific categories or brands.
IDFC FIRST EARN Credit Card: Fees & Charges
IDFC FIRST EARN Credit Card: Eligibility Requirements
While final approval is subject to the bank’s internal review, applicants generally need to meet the following conditions:
Age: Must be 18 years or older.
Nationality: Must be an Indian citizen with a valid Indian residential address.
Fixed Deposit: A minimum fixed deposit of Rs. 5,000 with IDFC FIRST Bank is required to secure the card.
Income Proof: Not necessary for this card.
Identity Verification: Valid Aadhaar card or PAN card must be submitted.
How to Apply for the IDFC FIRST EARN Credit Card
Eligible applicants can easily apply for the IDFC FIRST EARN Credit Card online through platforms like Paisabazaar or directly via the bank’s website.
Steps to Apply Online:
Enter your mobile number in the registration form to start the application process.
Verify your number by entering the OTP sent to your mobile.
Browse the list of pre-qualified credit card offers and locate the IDFC FIRST EARN Credit Card.
Select the card and complete the application by submitting the required personal details and documents.
Alternatively, you can apply through the official IDFC FIRST Bank website, where you can also open the required fixed deposit that determines the credit limit for this secured card.
Steps to Close IDFC FIRST EARN Credit Card
If you want to close your IDFC FIRST EARN Credit Card, you can easily initiate the process through the digital banking services provided by IDFC FIRST Bank.
Close via Mobile App or Net Banking
Follow these steps to request closure online:
- Step 1: Log in to Your Account
Access your IDFC FIRST Bank mobile app or internet banking using your registered credentials. - Step 2: Go to Cards Section
Navigate to the Accounts/Cards section and select your IDFC FIRST EARN Credit Card. - Step 3: Select Closure Option
Choose the option for card closure or close card from the available settings. - Step 4: Enter Required Details
Provide necessary information such as the reason for closure and complete any verification steps. - Step 5: Confirm Your Request
Review the details and submit your request. You may need to verify using an OTP.
Important Things to Check Before Closing
Ensure there are no pending dues on your card
Clear all EMIs and outstanding balances
Redeem any reward points or benefits
Cancel auto-debits or subscription services linked to the card
After Submitting the Request
Avoid using the card after placing the closure request
Destroy the card safely after receiving confirmation
Check your credit report after a few weeks to ensure the status is updated as “Closed”
IDFC FIRST EARN Credit Card Helpline Number
If you need assistance regarding your IDFC FIRST EARN Credit Card, you can contact the customer support team of IDFC FIRST Bank. The bank provides reliable support for billing issues, transactions, card blocking, and closure requests.
Customer Care Numbers (24×7)
These helpline numbers are available 24×7 for all credit card-related queries.
Email Support
You can send your queries or complaints from your registered email ID for quicker resolution.
Services Available
Customer care can assist you with:
Credit card billing and transaction-related queries
Payment and statement support
Blocking your card in case of loss or fraud
Credit card closure or cancellation requests
General banking assistance
Important Note
