IDFC FIRST Bank • A small FD backed RuPay card that pays cashback on UPI and helps you build credit
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
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FIRST EA₹N is a secured, virtual RuPay credit card issued against a fixed deposit of Rs 5,000 or more, with no income proof and no credit history needed and eligibility from age 18 to 80 for Indian residents. Your credit limit is 100 percent of the fixed deposit value, a lien is marked on the deposit, and the deposit keeps earning interest while you use the card, so regular on time repayment is what builds your credit history. Because it is virtual and RuPay based, the card is used mainly through UPI and online payments. You earn 1 percent cashback when you pay by UPI inside the IDFC FIRST Bank mobile app and 0.5 percent on other UPI apps, online spends and categories like utility and insurance, capped at Rs 500 per statement cycle. There is also 25 percent off up to Rs 100 once a month on movie tickets booked through District by Zomato, subject to staying spend active in the previous month as per the issuer FAQ.
MITC lists joining fee Rs 499 and annual fee Rs 499 for FIRST EA₹N, with add on cards shown as NA because the issuer states no add on card is available on this FD backed card. The card page currently shows joining fee Rs 0 as a limited period offer for new cards issued on or after 16 Dec 2025, while the annual fee from the second year stays Rs 499 plus GST with a waiver at Rs 1,00,000 of annual spends. Cashback is credited one day after the payment due date only if at least the minimum amount due is realised by the due date, otherwise that statement cashback is forfeited, and cashback is earned only on spends up to the credit limit per billing cycle. A physical card can be requested for Rs 199 plus GST. Interest on IDFC FIRST Bank credit cards is stated on the card page as starting from 8.5 percent per annum, and the MITC general schedule charges Rs 99 per reward redemption transaction and Rs 199 as card replacement fee for most cards.
Last verified against MITC: 21 October 2026 • View official MITC →
A minimum of Rs 5,000 in a singly held fixed deposit. Your credit limit is 100 percent of the fixed deposit value and the bank marks a lien on the full deposit amount. Only singly held deposits are eligible, as per the issuer FAQ.
You earn 1 percent on UPI payments made through the IDFC FIRST Bank mobile app and 0.5 percent on UPI through other apps, online spends, utility, insurance and wallet loads. Total cashback is capped at Rs 500 per statement cycle, and cash withdrawal and EMI transactions do not earn cashback.
Yes. The annual fee of Rs 499 plus GST from the second year is waived if you spend Rs 1,00,000 or more in the previous anniversary year, counting net purchases and excluding ATM cash withdrawals, monthly EMIs, fees and charges.
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