IDFC FIRST Bank FIRST EA₹N Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns cashback

First-year fee

₹0 to join.

₹0 (limited time offer, effective from 16 Dec'25)

Annual fee

₹499 + GST

What it gives back

0.5% cashback · everyday spends

Read from 9 IDFC FIRST Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

₹499 annual fee: of the 273 other open cards whose annual fee we have read, 100 state a lower one, 25 state the same and 148 state a higher one.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

Joining fee
₹0 to join.₹0 (limited time offer, effective from 16 Dec'25)
Annual fee
₹499 + GST
Fee waiver rule
Yes, your annual fee of ₹499+GST will be waived off when you spend ₹1,00,000* or more in your previous anniversary year

Welcome offer

Welcome benefit
10% cashback up to ₹250 on your first transaction, done within 15 days of card generation

Rewards

Reward rate
0.5% cashback · everyday spends1% cashback on all UPI spends through IDFC FIRST Bank mobile app and 0.5% cashback on all other spends.
Travel earning
Earn bonus 5% cashback on hotel bookings & 2% cashback on flight bookings through IDFC FIRST Bank Mobile App.
Reward exclusions
Cash withdrawal and EMI transactions.
Reward caps
You can earn cashback of ₹500 in a given statement cycle.

Card benefits

Dining programme
Up to 20% discount at 1500+ restaurants
Movie or entertainment ticket benefit
25% off up to ₹100 on movie tickets (valid once per month)

Also included

Charges

Forex markup
0% on foreign currency transactions.
Cash advance fee
Transaction fee ₹199
Interest on unpaid balance
Monthly Rate 0.71% - 3.85% (Annual Rate 8.5% - 46.2%)
Late payment fee
15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
Cash payment / cash deposit fee
Fee on cash payment at branches NIL.
Cheque payment / dishonour fee
Outstation cheque processing fee NIL.
What the card's fee or benefit year means
Annual fee (2nd year onwards): ₹499 + GST

Eligibility

Income requirement
No income proof required; you need to create and maintain a minimum fixed deposit of ₹5000
Minimum age
18 years or above
Residency
Indian resident with a current and permanent residential address in India.

In the terms, not the brochure (1)

Spends that do not count toward the fee waiver
₹1,00,000 spends milestone includes all the purchases excluding ATM Cash withdrawal, monthly EMIs, fees and charges, net of reversals/refunds

How we know - 9 documents from IDFC FIRST Bank, checked 19 Oct 2026

9 documents from IDFC FIRST Bank, checked 19 Oct 2026.

On these lists

₹499 a year

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