Credit Cards · Honest Review

IDFC FIRST Earn Credit Card

IDFC FIRST Bank · Visa

₹499Annual fee
1.00%Base rate
₹15KMin income/mo
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Your Verdict

IDFC FIRST Earn Credit Card
IDFC FIRST Bank · Visa
  • ✓FD-backed credit card — credit limit based on fixed deposit
  • ✓5% cashback on online shopping (capped ₹500/month)
  • ✓3% on groceries and fuel
  • ✓1% UPI cashback on RuPay variant
  • ✓₹499 fee waived at ₹1L annual spend
₹499/yrAnnual fee
₹499
Annual fee
1.00%
Base reward rate
None
Lounge access
Good
CIBIL score
Our verdict
The IDFC FIRST Earn Credit Card is ideal for those building a credit history — it's secured against a fixed deposit with 5% cashback on online shopping, 3% on groceries and fuel. The FD earns interest while your credit limit grows with it.
Fees & charges

What IDFC FIRST Earn Credit Card costs you

IDFC FIRST Earn Credit Card carries a ₹499 annual fee and a ₹499 one-time joining fee. The annual fee is waivable: Spend ₹1L/year.

FeeAmount
Annual fee (year 2+)₹499
Joining fee (one-time)₹499
Fee waiver conditionSpend ₹1L/year
Spend required for waiver₹1,00,000 / year
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

IDFC FIRST Earn Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, groceries, fuel and other bonus categories listed below.

CategoryReward rate
All other spends (base rate)1.00%
🛒 Online Shopping5% (cap ₹500/mo)
🛒 Groceries3%
⛽ Fuel3%
5%
Online Shopping
Cap ₹500/mo
3%
Groceries
3%
Fuel

Reward types: Cashback

Benefits & perks

Beyond the reward rate

The non-reward benefits on IDFC FIRST Earn Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
No lounge access
This card does not include airport lounge access.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for IDFC FIRST Earn Credit Card

IDFC FIRST Earn Credit Card requires a minimum net monthly income of ₹15,000 for salaried applicants. It is open to salaried employees and self-employed professionals.

₹15,000
Min monthly income
21–60
Age (years)
RequirementDetail
Minimum monthly income₹15,000
CIBIL scoreNot specified — clean history expected
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get IDFC FIRST Earn Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 5% back
  • → Heavy spenders on groceries who want 3% back
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
Frequently asked questions

IDFC FIRST Earn Credit Card — Questions answered

What is the annual fee for IDFC FIRST Earn Credit Card?
The annual fee is ₹499 from year 2 onwards, with a one-time joining fee of ₹499. The fee is waivable: Spend ₹1L/year.
What is the minimum income required for IDFC FIRST Earn Credit Card?
Salaried applicants need a minimum net monthly income of ₹15,000. Self-employed applicants typically need equivalent annual income proof.
What is the reward rate on IDFC FIRST Earn Credit Card for online shopping?
IDFC FIRST Earn Credit Card earns 5% on online shopping, capped at ₹500 per statement cycle. On all other spends, the base reward rate is 1.00%.
Does IDFC FIRST Earn Credit Card provide airport lounge access?
IDFC FIRST Earn Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on IDFC FIRST Earn Credit Card?
The annual fee on IDFC FIRST Earn Credit Card is automatically waived when you meet the spend threshold: Spend ₹1L/year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get IDFC FIRST Earn Credit Card approved?
Most applications for IDFC FIRST Earn Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.