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Premium Decision Grade Catalog
IDFC FIRST BANK LTD
IDFC FIRST EA₹N RuPay Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Fixed Deposit-backed virtual RuPay credit card enabling UPI transactions with cashback benefits, designed for first-time credit users
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Assured cashback card
Highlight 2
Not eligible for overdue interest charges
Highlight 3
Simplified reward structure
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹199
The front-loaded charge when you apply.
Annual fee
₹199
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹199100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"2 visits"
Hotel Privileges
"You can use the Reward points to book hotel/flights bookings on Smartbuy"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹6L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Legacy version of HDFC's flagship card with slightly lower fee and spend requirements; plastic variant no longer issued to new customers"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: ₹500 Amazon voucher on card activation within 30 days
- Base Rate: 5 reward points per ₹150 spent (3.3% value)
- Accelerated Rewards Program: 20 Reward Points on Swiggy and Zomato
- Travel (Hotels & Other): You can use the Reward points to book hotel/flights bookings on Smartbuy
Cons
- Gift Voucher worth ₹500 on spends of ₹30,000 within 90 days
- RP to Rupees: 1 RP = ₹0.25
- Domestic Airport: 2 visits
- Movie/Entertainment: Basic discounts
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