IDFC FIRST Bank · Scored card guide

IDFC FIRST EA₹N

0.5% eligible online cashback, ₹500 statement-cycle cap. FD-backed card.

Try your spend →

How this estimate works

FD-backed virtual RuPay card. Eligible online spends earn 0.5% cashback. Issuer-app UPI earns 1%, UPI through other apps earns 0.5%, and select utility, insurance and wallet spends earn 0.5%; the calculator does not know the UPI app, merchant code or route, and therefore scores only eligible online retail purchases. One ₹500 statement-cycle cap applies across base cashback. No cashback on cash withdrawal or EMI. FD-backed credit limit caps reward-eligible spend in a cycle even after repayments. Cashback is credited to the card account after the due date only if Minimum Amount Due was paid on time; pay in full to avoid interest. Published annual fee is ₹499+GST from year two, waived if prior anniversary-year eligible purchases reach ₹1 lakh. The tool conservatively subtracts this fee and ignores the waiver because the user may have other spending. A limited-period ₹0 introductory joining offer is shown without a current end date, while the regular joining fee is ₹499+GST: joining fee not included in the recurring/second-year net model and must be checked on application. FD capital cost, welcome offer, movie and bank-app travel bonus are omitted.

Year-two/recurring fee model. The joining-fee offer and the annual-fee waiver have separate rules; check the fee offered to you before applying. The shown spend is assumed to be the only qualifying spend in a statement cycle with sufficient FD-backed credit limit.

Issuer sources

https://www.idfcfirst.bank.in/credit-card/secured-rupay-credit-card
https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-EARN-Cashback-Structure-TnC.pdf

Checked 28 Sep 2026. Terms can change.

All cards →