IDFC FIRST Earn
IDFC FIRST Bank · Rupay
IDFC FIRST Earn is an entry-level credit card with a low annual fee and reward points on everyday spends, ideal for first-time credit card users.
Annual Fee
₹199
Waived at ₹0.3L spend
Joining Fee
₹199
Base Reward Rate
2X
₹0.5/pt
Min CIBIL
650
₹2L+ income
Key Features
Welcome Benefits
Lifetime Free Card
Zero joining fee and zero annual fee — forever, with no spend conditions
500 Bonus Reward Points on First Spend
Earn 500 welcome reward points on first transaction within 90 days
Reward Rates by Category
Dining
3X
Travel
2X
Online
3X
Shopping
2X
Grocery
2X
Fuel
1X
Utilities
1X
Other
2X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| All Online Merchants | Online Shopping | 6X |
| Offline Merchants | All Offline | 3X |
| Birthday Spends | All | 10X |
Milestone Benefits
Monthly Spend Rewards
Earn bonus reward points each month on hitting the ₹10,000 monthly spend milestone
First Month
Airport Lounge Access
Domestic
0 visits/year
International
0 visits/year
Insurance & Protection
Personal Accident Cover
Accidental death cover
Zero Liability
Report promptly
Pros
- Low annual fee of ₹199
- Rewards on all spends
- RuPay UPI credit
- Easy approval for beginners
- IDFC FIRST app management
Cons
- No lounge access
- Limited premium benefits
- Low reward rate
Frequently Asked Questions
Is IDFC FIRST Earn lifetime free?+
Earn rate?+
Do points expire?+
Monthly milestone?+
Cash withdrawal?+
Ready to apply?
Apply on the IDFC FIRST Bank website. Usually takes 10 minutes.
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IDFC FIRST Earn
₹199/yr · 2X rewards
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