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Credit Card

Discover the top RuPay card benefits unlocked with the FIRST EA₹N Credit Card

Key Takeaways

Struggling to get credit card approvals due to a low credit score?
Choose the FIRST EA₹N Credit Card, backed by an FD, for easy approval, UPI convenience, and exciting cashback on everyday spending.
Earn 1% cashback on UPI spends on the IDFC FIRST Bank App and 0.5% cashback on other UPI apps, as well as insurance, utility, wallet and online spending

27 Apr 2026 by Team FinFIRST

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Meet Karan, a 23-year-old who has just embarked on his professional journey. He wants to get a credit card to start managing his finances better. But wait! All of Karan’s credit card applications keep getting rejected because he does not have a credit score. How will he realise his financial goals now?

With the right secured credit card, Karan can start preparing for the future - and so can you! It doesn’t matter if you’re new to the workforce, a student, or simply have a low credit score. With the FIRST EA₹N Credit Card, a secured RuPay credit card by IDFC FIRST Bank, you can reap RuPay card benefits to your heart’s content without getting rejected.

Let’s understand how to make this happen.

When is it worth opting for a credit card protection plan?

A Credit Card for online shopping: A smart move or an unnecessary burden?

What is a RuPay credit card?

A RuPay credit card is like a regular credit card with a bonus - you can use it for UPI payments, too! This means that you can build your credit score while using it for all your daily transactions.

Equipped with state-of-the-art security measures, it provides enhanced security features, including:

Two-factor authentication -

This process adds an extra layer of security. It requires you to verify your identity through a second method, such as a one-time password or biometric authentication.

Extensive acceptance: Use your card virtually everywhere

A RuPay Credit Card such as the FIRST EA₹N Credit Card is widely accepted across a vast network of merchants. Moreover, the card's integration with UPI (Unified Payments Interface) further enhances its usability for both online and offline transactions.. Among its key advantages, it allows you to make transactions on countless UPI-enabled platforms and vendors throughout India. This extensive merchant acceptance ensures that you can use your card wherever and whenever you need it without worrying about compatibility issues.

RuPay credit card features and benefits - Exclusive discounts, cashback, and rewards

If you can’t wait to start enjoying all the features and benefits of a RuPay card, the IDFC FIRST Bank FIRST EA₹N Credit Card is the perfect fit for you. This is a RuPay credit card that is assured.

You don’t need an extensive credit history or a high CIBIL score to be eligible. Instead, it is secured against an IDFC FIRST Bank Fixed Deposit (FD) This FD acts as collateral against which the credit is extended to you.

And that's it! The FIRST EA₹N Credit Card is an instant digital issuance, ready-to-use card that you can apply for on the IDFC FIRST Bank app. Skip the hassle of carrying a physical card around and make payments instantly by scanning with your phone.

With a secured RuPay credit card, you can enjoy all the traditional benefits of a RuPay credit card, such as advanced security and UPI payments. At the same time, you also get -

The card is currently available with a ₹0 joining fee for a limited time.
An annual fee of ₹499 + GST applies, which can be waived by spending ₹1 lakh or more in the previous year.
Limited-time welcome offer of 10% cashback up to ₹250 on your first transaction done within 15 days of card generation.
1% cashback on UPI spends on the IDFC FIRST Bank App
0.5% cashback on other UPI apps, insurance, utility, wallet and online spends
25% discount up to ₹100 on movie tickets purchased on the District app by Zomato, once a month

The card also provides other benefits such as -

Complimentary roadside assistance worth ₹1,399
Lost card liability cover of ₹25,000
Personal accident cover of ₹2,00,000

This means that you can now save, spend, and build your credit score all at the same time!

Get your FIRST EA₹N Credit Card today!

Having a dependable and rewarding credit card can facilitate smooth transactions and enticing discounts. If you are looking for a credit card that prioritizes security, effortless usage, and benefits, consider applying for the IDFC FIRST Bank FIRST EA₹N Credit Card today!

Frequently Asked Questions

What are the key benefits of a RuPay credit card?

RuPay credit cards offer features like UPI payments, wide merchant acceptance, enhanced security, and rewards such as cashback and discounts on everyday spending.

Can I use the FIRST EA₹N Credit Card for UPI payments?

Yes, the FIRST EA₹N Credit Card can be linked to your UPI app, allowing you to make secure payments directly from your credit card at millions of merchants.

Is the FIRST EA₹N Credit Card easy to get approved?

Yes, since the card is backed by a fixed deposit (FD), it does not require a prior credit history. This makes it easier to get approved compared to unsecured credit cards.

What cashback benefits do I get with the FIRST EA₹N Credit Card?

You can earn 1% cashback on UPI transactions made via the IDFC FIRST Bank App and 0.5% cashback on other UPI apps, as well as on insurance, utility, wallet, and online spends.

Can I build my credit score with the FIRST EA₹N Credit Card?

Yes, using the card regularly and paying your dues on time helps you build a strong credit history and improve your CIBIL score over time.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.