IDFC FIRST EA₹N Credit Card

IDFC FIRST Bank · ₹499 a year · fee waived on ₹1,00,000 of annual spend

A RuPay card against a fixed deposit, built for UPI.

Base rate: 0.5% cashback.

What the bank says

• Issued against a fixed deposit from ₹5,000
• 1% cashback on UPI through the IDFC FIRST app
• 0.5% cashback on other spends, including utilities and insurance
• Cashback up to ₹500 a month

Where it pays more

• 1% on UPI through the IDFC FIRST app

Things that catch people out

• Total cashback is capped at ₹500 a month.
• The ₹499 joining fee is waived as a limited-period offer.

Joining fee: ₹0. Foreign currency markup: 0%.

Read from IDFC FIRST Bank’s own page on 2026-09-16.

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