IDFC FIRST EA₹N
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST EA₹N is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
CardIQ editorial view
Our take
IDFC FIRST EA₹N is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise online spending.
- Applicants comfortable backing the card with the issuer's required fixed deposit.
Key strengths
- 1% cashback on eligible UPI payments through the bank app.
- Standard annual fee is ₹499 + GST; joining offers and annual-spend waivers are conditional.
Trade-offs to understand
- Requires a fixed deposit with the issuer; approval is subject to its conditions.
- 0.5% on other eligible UPI-app and online purchases; cashback capped at ₹500 per statement cycle.
- Standard annual fee is ₹499 + GST; joining offers and annual-spend waivers are conditional.
CardIQ verdict
Consider it when the fixed-deposit route is useful to you; compare the deposit requirement and exit conditions before applying.
Compare before deciding
- IDFC FIRST Quantum+ — A lower-fee way to compare similar strengths in international spending and online spending.
- IDFC FIRST Hello Cashback — A higher-fee option to compare for broader benefits around international spending and online spending.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Requires a fixed deposit with the issuer; approval is subject to its conditions.
- 0.5% on other eligible UPI-app and online purchases; cashback capped at ₹500 per statement cycle.
- Virtual RuPay card; no physical card is issued.
- Standard annual fee is ₹499 + GST; joining offers and annual-spend waivers are conditional.