SimplifyCards take:A good fit if you want a card built for secured card, UPI, and credit builder, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
1% cashback on UPI spends via idfc first bank mobile app, auto-credited with no points to manage
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Check the conditionsWatch out
The renewal fee is waived only on ₹ 1 lakh of annual spend Monthly reward caps apply on the top categories
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Good fit if you want a card built for secured card, UPI, and credit builder, and you want your rewards as simple, no-tracking cashbackBottom line
It combines a low 0% forex markup and accelerated rewards on UPI spends via idfc first bank mobile app
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| UPI Spends Via IDFC FIRST Bank Mobile App | 1% cashback | 500 Cashback |
| Other Spends (including Offline, Online, Utility, Insurance, Fuel, And Third-Party UPI) | 0.5% cashback | 500 Cashback |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
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Fee waiverRenewal fee waived on annual spends of ₹ 1 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Fixed deposit backed virtual RuPay credit card (minimum FD ₹5,000)
- No income proof or credit score documentation required
- 1% cashback on UPI spends made via IDFC FIRST Bank Mobile App
- 0.5% cashback on other UPI spends, online spends, utility, insurance, and fuel spends
- Cashback is automatically credited to the card account in the next cycle (capped at ₹500 per cycle)
- Complimentary Roadside Assistance (RSA) worth ₹1,399
- Personal accident cover of ₹2,00,000 and lost card liability of ₹25,000
Latest Updates
Recent changes to this card
All IDFC FIRST credit cards now offer 0% forex markup19 Sept 2026
- All IDFC FIRST credit cards, including EA₹N Credit Card, offer 0% forex markup for existing and new cardholders
- On ₹1,00,000 of foreign-currency purchases, save about ₹4,130 versus a typical 3.5% forex card (₹3,500 markup + ₹630 GST at 18%)
- Always pay in local currency abroad to avoid Dynamic Currency Conversion (DCC)
- Card fees and rewards vary by card; the lifetime-free fees and reward examples in this update refer specifically to FIRST Wealth, FIRST Select and FIRST WOW!
Eligibility
Check this before you apply
Salaried
- Age: 18 to 80 years
- Fixed Deposit backed card; minimum FD amount of ₹5,000
Self-employed
- Age: 18 to 80 years
- Fixed Deposit backed card; minimum FD amount of ₹5,000
Exclusions
Spending that does not earn cashback
- EMI transactions
- Cash withdrawal / cash advance transactions
Compare before you decide
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