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
Base Reward Rate
2X
Point Value
₹0.5/pt
Min CIBIL
650
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
3X
Travel
2X
Shopping
2X
Online
3X
Grocery
2X
Fuel
1X
Utilities
1X
Other
2X
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
Ready to Apply?
Apply directly on the IDFC FIRST Bank website. Takes about 10 minutes.
