IDFC FIRST EARN Credit Card
Joining Fee: ₹499 + GST
Renewal Fee: ₹499 + GST
Reward Type: Cashback
Welcome Benefits
UPI Transaction Cashback: Receive 100% cashback up to ₹200 on making four UPI transactions with the IDFC Mobile Banking app within 15 days of card issuance. You will get ₹50 cashback per transaction.
Cashback on UPI Spends
UPI Spends: Earn 1% cashback on UPI transactions made through the IDFC mobile banking app.
Other Eligible Spends: Get 0.5% cashback on UPI transactions through other apps, utility bill payments, and insurance.
Cashback Cap: Cashback is capped at ₹500. No cashback is awarded for EMI or cash transactions.
Benefits
Movie Ticket Discounts: Save 25% on movie tickets booked through Paytm Movies, with a maximum discount of ₹100 per month, totaling up to ₹1,200 in savings annually.
Free Roadside Assistance: Enjoy complimentary roadside assistance valued at ₹1,399, provided at no extra cost with the FIRST EA₹N Credit Card.
Summary
The IDFC FIRST EA₹N Card rewards UPI transactions with 1% cashback (up to ₹500) through the IDFC mobile banking app, and 0.5% cashback on other UPI, utility, and insurance spends. Ideal for newcomers to credit, it offers 25% off (up to ₹100) on movie bookings and free roadside assistance valued at ₹1,399. With a low fixed deposit requirement of ₹5,000, high deposit interest, and generous cashback, it’s a solid choice for those starting their credit journey.