M16S / IDFC First Bank / IDFC FIRST EARN Credit Card
entry · secured, cashback, upi
IDFC FIRST EARN Credit Card
The IDFC FIRST EARN Credit Card costs Rs 499 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 0.5%. Accelerated earn: 1% on UPI spends via the IDFC FIRST app. The forex markup is 0%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- Rs 1,00,000annual spend
- Base return
- 0.5%
- Forex markup
- 0%
- Interest
- —
Apply on idfcfirst.bank.inOpens the bank’s own page.
Fees
| Joining feeunverified | Free |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the feeunverified | Rs 1,00,000 |
| Fee notes | Issuer listing shows Rs 499. Aggregator: joining nil for a limited time, annual Rs 499 + GST waived on Rs 1 lakh spend. Digital by default; physical card Rs 199. |
Rewards
| Welcome benefit | Up to Rs 250 cashback on the first transaction (10% within 15 days per aggregator) |
|---|---|
| Reward currency | Cashback |
| Base earn | 0.5% on other eligible spends incl. utilities, insurance, wallet loads |
| Base return | 0.5% |
| Point value | Cashback in rupees |
| Accelerated earn | 1% on UPI spends via the IDFC FIRST app |
| Capsunverified | Rs 500 per statement cycle (aggregator) |
| Spends that earn nothingunverified | EMI and cash transactions (aggregator) |
| Reward notes | base_return_pct = 0.5% base rate. Rates from issuer listing ('up to 1% cashback on UPI spends') and Card Insider. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 0% |
| Other freebies | 25% off movie tickets up to Rs 100 (issuer listing) |
Charges and eligibility
| Late payment feeunverified | 15% of total amount due, min Rs 100, max Rs 1,300 |
|---|---|
| Cash advance feeunverified | Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal |
| Eligibilityunverified | FD-backed; min FD Rs 5,000 (aggregator) |
| Fine-print notes | Unlike most IDFC cards this one carries a 3.5% forex markup per Card Insider. Dedicated issuer page not read. |
Questions
- What is the annual fee of the IDFC FIRST EARN Credit Card?
- Rs 499 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
- Does the IDFC FIRST EARN Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the IDFC FIRST EARN Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IDFC FIRST EARN Credit Card?
- EMI and cash transactions (aggregator)