IDFC FIRST EA₹N Credit Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
secured card, upi, cashback, credit builder, virtual card
Top rewards
UPI spends via IDFC FIRST Bank Mobile App: 1% cashback; Other spends (including offline, online, utility, insurance, fuel, and third-party UPI): 0.5% cashback
Paisabazaar Paisa+ Credit Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
cashback, secured card, upi, online spends
Top rewards
Online spends: 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000); Offline retail spends: 1% cashback on offline spends; UPI spends: 1% cashback on eligible UPI transactions of ₹2,000 and above
| Feature | IDFC FIRST EA₹N Credit Card | Paisabazaar Paisa+ Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | SBM Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 499 | Rs 499 |
| Fee waiver spend | Rs 1,00,000 | Rs 50,000 |
| Reward type | cashback | cashback |
| Best for | secured card, upi, cashback, credit builder, virtual card | cashback, secured card, upi, online spends |
| Top reward categories | UPI spends via IDFC FIRST Bank Mobile App: 1% cashback; Other spends (including offline, online, utility, insurance, fuel, and third-party UPI): 0.5% cashback | Online spends: 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000); Offline retail spends: 1% cashback on offline spends; UPI spends: 1% cashback on eligible UPI transactions of ₹2,000 and above |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | EMI transactions, Cash withdrawal / cash advance transactions | Fuel spends, EMI transactions, Wallet loading transactions, ATM withdrawals and cash advances, Purchase of gold or jewellery, Rent payments |