IDFC FIRST EARN Credit Card: Benefits & Apply

Summary

Honestly, if you’re just dipping your toes into the whole credit card scene—or you just want something simple that won’t suck money from your wallet every year—the IDFC FIRST EARN Credit Card is kinda cool. Zero annual charges, no sneaky membership fees, nada. Seriously, anyone can pick this thing up without feeling like they’re signing away their paycheck. Among numerous credit cards available, this function distinguishes it from others alone.

Furthermore, practically every transaction, including UPI payments and online purchases—offers cashback on the card, therefore enabling customers to quickly collect rewards. Apart from rewards, the card offers interesting savings on movie and dining tickets, therefore augmenting the worth of your lifestyle costs. These benefits let one enjoy daily activities while yet simplifying financial saving.

As its designers intended, the card also conveys security and simplicity. Particularly in the hectic modern world, the contactless payment feature allows quick and safe transactions. Additionally offering roadside assistance and insurance coverage, the card helps cardholders to have piece of mind in challenging conditions or crises.

Introduction

Credit cards have become a fundamental component of our daily existence in the modern digital age. Having the appropriate credit card can make all the difference whether you are buying online, paying bills, or reserving airline tickets. With its user-friendly features, enticing rewards, and zero annual fee, the IDFC FIRST EARN Credit Card distinguishes itself among the numerous other credit cards available on the market. Created especially for those just starting with credit or trying to improve their credit score, this card provides several advantages that make it a perfect beginning for anyone starting in the world of credit cards.

First of all, the IDFC FIRST EARN Credit Card has no joining or yearly charge, which means you have free use of it. For anyone looking for a basic and clear credit card, students, young professionals, or anyone who wants an inexpensive option, this helps them to be able to pay for it. The card also gives reward points on every purchase you make, whether you are purchasing groceries, filling fuel, or paying for your mobile recharging. These points may accumulate over time and be exchanged for a range of amazing prizes; therefore, every buy becomes more fulfilling.

Moreover, the IDFC FIRST EARN Credit Card assists you in cultivating sound credit practices. It guarantees you will manage your money effectively with low interest rates beginning from 0.75% per month and interest-free cash withdrawals for up to 48 days. Adding extra value to your lifestyle, the card offers free roadside assistance, dinner discounts, and movie promotions.

This card also enables contactless payment for quicker and more secure transactions. This offers a layer of security as it means you don’t have to surrender your card for small transactions. The card is also accepted both in India and internationally, letting you buy anywhere without trouble.

What is the IDFC FIRST EARN Credit Card?

For consumers new to credit card use or seeking a basic and rewarding card, IDFC FIRST Bank created the IDFC FIRST EARN Credit Card especially. Zero joining and annual costs imply you owe nothing to own or use the card. Students, first-time credit users, and young professionals would find great use for this. 

Furthermore, this card lets you get bonus points for every transaction you complete—whether you are buying groceries, traveling, gas, or anything else. Your daily spending becomes more worthwhile as these reward points can be exchanged over time for several prizes or discounts.

How is the design of the IDFC FIRST EARN Credit Card?

Modern, basic, and elegant, the IDFC FIRST EARN Credit Card is at first glance, the card seems sophisticated with its clean and basic design, giving it a premium look. Often, in a sophisticated color such as deep blue or black, it gives it a professional and sleek look. 

Furthermore, developed with user ease of use in mind is the card. It has a contactless payment symbol, so for small amounts you can make quick and safe payments simply by tapping the card on a machine—no swiping or entering of a PIN is needed. This speeds up and improves regular transactions.

What are the benefits of the IDFC FIRST EARN Credit Card?

Its salient aspects are broken out here:

Every Spend Cashback

• On every UPI transaction done via the IDFC FIRST Bank mobile app, 1% cashback.

• 0.5% reward on all online purchases and UPI transactions using other applications.

• Welcome offer: On your first UPI purchase within 15 days of card issuance, 100% cashback up to ₹500.

Entertainment and Way of Life Rewards

• Once a month, a 25% discount (up to ₹100) on movie tickets reserved using the District by Zomato app.

• A 20% discount is available at more than 1,500 partner outlets all around.

Insurance and Security: Coverage

• Free roadside help valued at ₹1,399.

• Cover up to ₹25,000 lost card liability.

• Two hundred thousand personal accident cover.

Experience Digital First

• Instant digital issuing for immediate use makes a completely virtual card.

• Complementable with UPI, QR code scanning, and online transactions, seamless payments

• Based on fixed deposits, it provides a minimum credit limit matching 100% of your FD value.

Economic Advantages

• Earn pleasing rates on your linked fixed deposit.

• No edit history is needed. Perfect for anyone starting their credit adventure.

What are the fees for the IDFC FIRST EARN Credit Card?

Here is a simple breakdown of the  IIDFC FIRST EARN Credit Card fees.

Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IDFC FIRST EARN Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IDFC FIRST EARN Credit Card?

The documents that you will have to submit to get the IIDFC FIRST EARN Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IDFC FIRST EARN Credit Card be used?

Here is the list of places where you can use it:

• With the IIDFC FIRST EARN Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IIDFC FIRST EARN Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The  IIDFC FIRST EARN Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IDFC FIRST EARN Credit Card?

The credit amount you can spend is what you are provided with an IIDFC FIRST EARN Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IDFC FIRST EARN Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IDFC First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IDFC First Bank; for instance, you can choose the IDFC FIRST EARN Credit Card.

• Just hover your cursor on the  IIDFC FIRST EARN Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IDFC First Bank branch to apply for the IDFC FIRST EARN Credit Card.

• Request the credit card application form for the  IIDFC FIRST EARN Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IIDFC FIRST EARN Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the IDFC First Bank Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an IDFC FIRST EARN Credit Card in 2025 be right?

Getting an IIDFC FIRST EARN Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IDFC First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Honestly, if you’re hunting for a credit card that won’t slap you with sneaky fees, the IDFC FIRST EARN Credit Card is a solid pick. No joining fee, no annual fee—none of that nonsense. You just get to use the perks without sweating over surprise charges. Super chill, super easy. Those just starting or wanting to use a credit card free of any hidden charges will find this especially useful.

Moreover, the card refunds almost all transactions, including online shopping and UPI payments. This lets you earn points just for buying goods you already buy. Apart from cash back, the card’s many food, movie, and other lifestyle spending discounts make it significantly more useful. 

Another major advantage the card provides is its insurance coverage and security features. These benefits help one to be calm in the event of unexpected accidents or occurrences. The contactless payment option of the card also enables quick and secure transactions, which is very helpful in today’s hectic environment.

Frequently Asked Questions (FAQ’s)