FIRST EA₹N - FD Backed
Virtual RuPay Credit Card

Register and verify your details here. > Create your fixed deposit > Complete your KYC process > Your FIRST EA₹N Credit Card is ready!

The eligibility criteria for the FIRST EA₹N Credit Card are:           

· Age Limit Criteria: 18 to 80 years​​

· The applicant must qualify as an Indian resident with a current and permanent residential address in India

· You need to create and maintain a minimum fixed deposit of ₹5,000

· The final decision is at the Bank’s sole discretion, in line with our internal policies, and notwithstanding the applicant meeting the above credit card criteria.

No, you do not need any credit history or income proof to apply for the FIRST EA₹N Credit Card.

Since the FIRST EA₹N Credit Card is an FD-backed, the add-on card facility isn’t available. However, you can easily apply for your own FIRST EA₹N card here. It’s an assured card for everyone!

The credit limit for your FIRST EA₹N Credit Card will be minimum 100% of your fixed deposit amount.

IDFC FIRST Bank Credit Cards provide a host of benefits, offers and features. Depending on the variant, IDFC FIRST Bank credit cards offer lifestyle benefits like discounts on shopping, dining, and movies. Benefits include discounts at health and wellness outlets, and in-app online discounts.

Customers can report UPI merchant related issues to NPCI via their official website, under the “UPI Complaint” section. Link to raise a complaint with NPCI:

https://www.npci.org.in/what-we-do/upi/dispute-redressal-mechanism

The FIRST EA₹N Credit Card gives you cashback on every purchase. You get 1% cashback on UPI payments made via the IDFC FIRST Bank mobile app. All online spending and UPI payments via other apps earn you 0.5% cashback. 

It's a virtual credit card that exists exclusively online, without any physical form. It has a unique card number, expiration date, and CVV, which makes online transactions more secure.

You can use the Virtual FIRST EA₹N Credit Card anywhere, once you’ve linked it to a UPI app:

· Make online transactions by entering your card details or via UPI

· Pay at offline shops by scanning QR codes with your UPI app

Without a physical card in your wallet, there are lower chances of theft or misuse. All you need is your smartphone, and you’re good to go. 

You can access your FIRST EA₹N credit card through the IDFC FIRST mobile banking app.

Yes, once you have linked Virtual FIRST EA₹N Credit Card to you UPI app, you can use it to pay at offline shops by scanning QR codes.

You can earn 1% cashback on UPI spends through the IDFC FIRST Bank mobile app and 0.5% cashback through third-party UPI platforms like Phonepe, GPay, Paytm etc and all online spends. You will get 0.5% cashback on utility, insurance, and wallet loads.

Cash withdrawal and EMI transactions are excluded from cashback offers.

You can earn cashback by using the credit card for UPI, E-commerce and POS transactions.

You can earn cashback of ₹500 in a statement cycle.

Cash withdrawal and EMI transactions are excluded from cashback benefits.

If you cancel, reverse, or return your purchase, your cashback will be reversed. Reversals for such transactions will be adjusted/deducted from your monthly statement.
For instance: A UPI transaction of ₹10,000 through the IDFC FIRST Bank mobile app made on 21st April would qualify for a cashback of 1%, or ₹100, assuming the statement was generated on 22nd April. As a result, you will be credited with ₹100 on 22nd April. Let’s say you returned an item on 24th April. The cashback of ₹100 will be reversed due to the return and will be adjusted/deducted in your next statement.

Yes, you can earn 10% cashback up to ₹250 on your first transaction, done within 15 days of card generation. Card generation refers to the point at which your card is created along with FD funding.

Note: Welcome benefit is limited time offer and applicable for new cards issued on or after 16 Dec'25

Yes, with your FIRST EA₹N Credit Card, you will get cashback on fuel transactions. 

The cashback you earn is credited to your IDFC FIRST Bank Credit Card account during card statement generation and is adjusted automatically in your statement.

The card cashback will be automatically credited to your Credit Card account and will reflect in your monthly statement.

Your cashback does not expire. The cashback you earn is credited to your IDFC FIRST Bank Credit Card account and is adjusted automatically in your credit card statement.

FIRST EA₹N credit card comes with spend based annual fee waiver. Your annual fee of ₹499+GST is waived if you spend ₹1,00,000* or more in your previous anniversary year

* ₹1,00,000 spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds

Here are the benefits of a credit card backed by an FD:

1. No income proof required:  Customers can obtain a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers.

2. Helps build credit history: Using your credit card regularly and paying off the outstanding dues on time will help create a good credit history and credit score.

3.  Earn interest on fixed deposit: Cardholders can continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.

Only singly-held fixed deposits will be eligible for the FIRST EA₹N Credit Card.

The Fixed Deposits opened/placed by HUFs, Partnership firms/society/trust, minors or opened jointly by applicant/s, Tax Saver or Flexi-Deposits (Auto-sweep Fixed Deposits) are not eligible for the FIRST EA₹N Credit Card.

UPI on credit cards is a feature that allows you to link your credit card with the UPI (Unified Payments Interface) system. It enables seamless and secure payments directly from your credit card using UPI apps like Google Pay, PhonePe, and Paytm. As a result, you enjoy both the convenience of UPI payments and the benefits of a credit card.

Complete your UPI app registration journey with your registered mobile number and follow these simple steps to enable your FIRST EA₹N Credit Card for payments:

1.  Open UPI app and choose Add RuPay Credit Card

2.  Select IDFC FIRST Bank and your eligible cards will be displayed

3.   Select your FIRST EA₹N Credit Card, enter the last 6 digits of your card, card expiry and OTP to complete your registration

To know more, click here.

No, it is not. You need to generate a new UPI PIN to perform UPI payments.

To generate a UPI PIN, follow these steps:

On your UPI app profile, select RuPay Credit Cards > Add RuPay Credit Card on UPI > Select the issuer Bank from the list> Card will auto display last 4 digits > select your RuPay credit card > Set 4-digit UPI PIN> Confirm 4-digit UPI PIN.

To generate/change your Credit Card PIN, follow these steps:

Open your IDFC FIRST Mobile App> Credit Cards> Set new PIN> Confirm your 4-Digit-Credit Card PIN

Note: As the user, it is your choice whether you wish to keep the Credit Card PIN and UPI PIN the same or not.

No, only merchant payments, as authorized by NPCI, are permitted to use the RuPay Credit Card.

Post UPI PIN generation of your FIRST EA₹N Credit Card, you can transact only up to ₹5,000 for the first 24 hours. 

UPI payments are now available to IDFC FIRST Bank Credit Card users. While not every merchant has a point-of-sale machine, almost every store in India has a QR code for UPI payments. With a UPI-enabled IDFC FIRST Bank Credit Card, you can use your card to pay via across both physical and online stores.

You can link your FIRST EA₹N Credit Card on all UPI apps such as BHIM, PhonePe, PayTm, Gpay, Freecharge, Slice, CRED, and Mobikwik.

Yes, the restricted categories include digital account openings, lending platforms, cash withdrawals at merchants or ATMs, e-RUPI, IPOs, Foreign Inward Remittances, Mutual Funds, and any others specified by the National Payment Corporation of India (NPCI).

For more details on RuPay Credit card on UPI refer NPCI website.

https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi

No, you cannot set your credit card as the default for receiving funds.

The FIRST EA₹N Credit Card is issued against a Fixed Deposit. Hence, to set your credit limit, you need to create an FD. Upon successful creation of your FD, a lien will be marked on 100% of the FD value.
Once done, your FD will be linked to your FIRST EA₹N Credit Card and your credit limit will be set.

The FIRST EA₹N Credit Card comes with the Annual fee (2nd year onwards) of ₹499 + GST.

Your ₹499+GST annual fee is waived if you spend ₹1,00,000* or more in your previous anniversary year

* ₹1,00,000 spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds

Yes, your annual fee of ₹499+GST will be waived when you spend ₹1,00,000* or more in your previous anniversary year

*₹1,00,000 spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds

₹1,00,000 spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds

IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally. IDFC FIRST Bank offers interest rates starting from 8.5% per annum. In contrast, other credit cards in the market charge interest as high as 43.8% p.a. if you carry forward your balances.