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IDFC FIRST Bank
IDFC FIRST EARN Credit Card
CashbackRuPay
An FD-backed RuPay credit card from IDFC FIRST Bank designed for UPI-first spenders. Earn cashback on UPI, utility and travel spends, enjoy monthly movie discounts, and build your credit history with a minimum fixed deposit of ₹5,000.
Joining fee
₹0 (limited-period offer)
Annual fee
₹499 + GST
Rewards
Up to 1% UPI cashback
Best for
UPI payments, cashback and building credit history
Applications are assessed by the issuing bank. CardPower does not approve applications or guarantee eligibility.
Key benefits
- Fees & Charges: Joining fee of ₹0 under a limited-period offer; annual fee of ₹499 + GST; annual fee waived when annual spends reach ₹1 lakh or more in the previous year; minimum fixed deposit of ₹5,000 required.
- Welcome Offer: 10% cashback on the first transaction, capped at ₹250, when the first transaction is completed within 15 days of card issuance.
- UPI Cashback: 1% cashback on eligible UPI spends made through the IDFC FIRST Bank app; 0.5% cashback on eligible UPI spends through third-party UPI apps.
- Cashback: 0.5% cashback on eligible utility spends; 0.5% cashback on eligible insurance spends; 0.5% cashback on eligible wallet loads. Combined cashback on these categories is capped at ₹500 per month.
- Travel Benefits: Up to 5% bonus cashback on eligible flight and hotel bookings through the IDFC FIRST Bank rewards portal.
- Entertainment: 25% discount on eligible movie tickets, capped at ₹100, available once per month.
- UPI Benefits: RuPay credit card can be linked to supported UPI apps and supports scan-and-pay transactions through UPI — a UPI-enabled RuPay Credit Card.
- Credit Builder: FD-backed credit card with a minimum fixed deposit requirement of ₹5,000, suitable for customers looking to build or establish their credit history.
- Security & Assistance: Lost card liability cover and roadside assistance.
Fees & charges
- Joining fee
- ₹0 (limited-period offer)
- Annual fee
- ₹499 + GST
- Annual fee waiver
- Full waiver on annual spends of ₹1 lakh or more in the previous year
- Minimum fixed deposit
- ₹5,000
- UPI cashback
- 1% via IDFC FIRST Bank app; 0.5% via third-party UPI apps on eligible spends
- Utility / insurance / wallet cashback
- 0.5% each, combined cap of ₹500 per month
- Movie discount
- 25% off once per month, capped at ₹100
- Travel bonus cashback
- Up to 5% on eligible flight and hotel bookings via issuer rewards portal
- Finance charges
- As per IDFC FIRST Bank schedule of charges
Eligibility
- Indian resident with a valid PAN card
- Aged 21 years or above
- Minimum fixed deposit of ₹5,000 with IDFC FIRST Bank
- Approval subject to issuer verification; card is issued against the fixed deposit