FIRST EA₹N RuPay Credit Card (FD-Backed)
A secured credit card designed to reward day-to-day UPI usage. Backed by an IDFC FIRST Bank Fixed Deposit starting from ₹5,000, it delivers a direct 1% cashback on merchant UPI QR code scans made through the IDFC mobile app while helping users establish credit history.
Why We Recommend The FIRST EA₹N RuPay Credit Card (FD-Backed)
A practical secured card that turns daily UPI QR code scans into direct cashback while building your credit score.
First-time credit card users and UPI spenders wanting straightforward cashback without credit score checks.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the FIRST EA₹N RuPay Credit Card (FD-Backed)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹1.00 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for FIRST EA₹N RuPay Credit Card (FD-Backed)
Zero hidden costs. Complete fee schedule verified with IDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the FIRST EA₹N RuPay Credit Card (FD-Backed)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes FIRST EA₹N RuPay Credit Card (FD-Backed) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Guaranteed 100% digital issuance backed by an FD starting from just ₹5,000.
1% cashback on UPI payments without complex points conversion tables.
25% discount on movie tickets on District / Paytm (up to ₹100 once a month).
Pros & Cons of the FIRST EA₹N RuPay Credit Card (FD-Backed)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Guaranteed approval for beginners and students with no income proof required.
- Direct 1% cashback on UPI payments where debit cards yield nothing.
- Fixed deposit continues earning attractive term deposit interest rates.
Things to Consider (Cons)
- Maximum UPI cashback capped at ₹500 per month.
- Requires using the IDFC mobile app to unlock the full 1% cashback rate.
- No airport lounge privileges included.
Who Can Apply for the FIRST EA₹N RuPay Credit Card (FD-Backed)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from IDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About FIRST EA₹N RuPay Credit Card (FD-Backed)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the FIRST EA₹N RuPay Credit Card (FD-Backed)?
Check your pre-approved credit limit and instant approval eligibility across IDFC Bank with 100% paperless verification and zero score impact.