Welcome Benefits :- 

• Get 100% cashback upto ₹200 on making four UPI transactions with the IDFC Mobile Banking app within 15 days of card issue. Cardholders shall get ₹50 cashback on each of the four transactions.

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Rewards & Benefits :- 

Movie & Dining

25% Off Upto ₹100 on Paytm Movies

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Rewards Rate

1% Cashback on UPI Spends Via IDFC App and 0.5% Cashback on All Other Spends Including Utilities and Insurance

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Reward Redemption

1 Reward point = ₹0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

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Travel 

N/A

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Domestic Lounge Access

N/A

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

NA

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Rewards Redemption Fee

N/A

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Foreign Currency Markup

1.99% 

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Interest Rates

Ranges between 0.75% to 3.5% per month based upon the credit history of the individual

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Fuel Surcharge

N/A

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Cash Advance Charges

Monthly Rate 0.75% to 3.65%

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Product Details :- 

• The FIRST EA₹N Credit Card is a Fixed Deposit-backed credit card.

• With this card customers can earn 1% cashback on all UPI spends made with the IDFC app.

• Earn 0.5% cashback on select categories like insurance, wallet, and utilities.

• Get a 25% discount upto ₹100 while booking movies with Paytm movies.

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Pros/Cons :-

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Pros

• This card is for new credit users or those with a bad credit history who want to start or improve their credit card journey.

• Since the IDFC FIRST EA₹N Credit Card is on the RuPay network, it can be easily linked to UPI.

Cons

• This credit card does not offer a fuel surcharge waiver, which would discourage users from using it for fuel transactions.

• The cashback earned on UPI transactions could have been higher than 1% as there are other cards that also offer the same.