IDFC FIRST EA₹N RuPay Credit Card
IDFC FIRST EA₹N RuPay Credit Card
Assured cashback card
Not eligible for overdue interest charges
Simplified reward structure
Personalized Match by CredHunt • credhunt.com
Fixed Deposit-backed virtual RuPay credit card enabling UPI transactions with cashback benefits, designed for first-time credit users
Joining Fee
₹199
Annual Fee
₹199
Rating
5.0/5.0(0 reviews)
Key Features
Assured cashback card
Not eligible for overdue interest charges
Simplified reward structure
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
5 reward points per ₹150 spent (3.3% value)
Point Value
1 RP = ₹0.25
Points Expiry
N/A
Bonus Rewards
Welcome Offer
₹500 Amazon voucher on card activation within 30 days; Gift Voucher worth ₹500 on spends of ₹30,000 within 90 days
Accelerated Rewards
20 Reward Points on Swiggy and Zomato
Card Benefits
Travel Benefits
2 visits
You can use the Reward points to book hotel/flights bookings on Smartbuy
Dining & Entertainment
Not specified in MITC
Basic discounts
Lifestyle & Protection
Taj Experiences
₹1 crore for flight accidents, ₹25 lakhs for emergency hospitalization abroad
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver (₹400-₹5,000, max ₹250 per cycle) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Not specified in MITC
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹6L+
Expert Opinion
Legacy version of HDFC's flagship card with slightly lower fee and spend requirements; plastic variant no longer issued to new customers
Customer Reviews
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