IDFC FIRST EARN Credit Card

The IDFC FIRST EARN Credit Card is an energetic rewards-focused product engineered for urban professionals who spend actively on digital commerce. Launched with zero joining fee and an annual maintenance fee of ₹499 plus GST, it allows cardholders to test drive its rewards mechanics without upfront capital friction. The card features IDFC's signature tiered reward multiplier: cardholders earn 3X reward points on all regular domestic retail purchases and 6X reward points on online shopping checkouts. Once cumulative monthly spending crosses the ₹20,000 milestone threshold, all subsequent purchases in that statement cycle earn an accelerated 10X reward points (delivering an effective 2.50% value return). Crucially, IDFC FIRST reward points never expire and have zero redemption fees. Cardholders also benefit from low dynamic revolving interest rates starting at just 2.99% per month (9% to 36% APR), alongside a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across petrol pumps nationwide (up to ₹200 per statement cycle). The ₹499 annual fee is completely waived upon spending ₹50,000 or more in an anniversary year. For consumers seeking a dependable rewards card that ramps up return as spending grows, IDFC FIRST EARN provides compelling mathematical value.

Additional Cardholder Privileges

Mandatory Verification Documents