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Card1/4 on file
Annual fee: issuer restricts access
IDFC First Bank · Card

FIRST EARN (Secured RuPay)

Low InterestNo Credit HistoryOnline ShoppingRewardsSecured

The FIRST EARN (Secured RuPay) is a credit card from IDFC First Bank. IDFC First Bank's site does not let us read its terms, so we leave the annual fee blank — check it on IDFC First Bank's own site. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: purchase APR (Oct 2026), welcome offer (Oct 2026). Not yet checked with IDFC First Bank: credit requirement. IDFC First Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Welcome offerSee offer below
Apply on IDFC First BankCompare this card
Opens IDFC First Bank’s site
Ledger entry

The receipt

Every cost line we hold for the FIRST EARN (Secured RuPay), exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
8.5%–46.2%Checked idfcfirst.bank.in
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
NoneNot yet checked with IDFC First Bank
Sign-up

The welcome offer

Yes, you can earn 10% cashback up to ₹250 on your first transaction, done within 15 days of card generation. Card generation refers to the point at which your card is created along with FD funding.

Checked idfcfirst.bank.in
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the FIRST EARN (Secured RuPay). Rather than print a multiplier we cannot source, this stays blank until IDFC First Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • 1% cashback on UPI payments via IDFC FIRST Bank mobile app
  • 0.5% cashback on online spends and third-party UPI payments
  • 0.5% cashback on utility, insurance, and wallet loads
  • Cashback on fuel transactions
  • 25% off up to ₹100 monthly on movie tickets via District by Zomato
  • No income proof or credit history required
  • 100% credit limit against Fixed Deposit value
  • Virtual card with instant issuance
  • Spend-based annual fee waiver (₹1,00,000 annual spend)
  • UPI payment linkage via RuPay
Next step

Ready to apply for the FIRST EARN (Secured RuPay)?

You'll finish the application on IDFC First Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens IDFC First Bank’s site
Questions

Questions about the FIRST EARN (Secured RuPay)

How much is the FIRST EARN (Secured RuPay) annual fee?

We could not verify the FIRST EARN (Secured RuPay)'s annual fee, so we do not print one. Check the current annual fee on IDFC First Bank's own site before you apply.

What does the FIRST EARN (Secured RuPay) earn?

We could not verify the FIRST EARN (Secured RuPay)'s earn rates, so we do not print a multiplier. Check them on IDFC First Bank's own site.

What network is the FIRST EARN (Secured RuPay) on?

We hold no card network on record for the FIRST EARN (Secured RuPay). The network determines where a card is accepted and which network-level benefits apply, so confirm it with IDFC First Bank before you apply.

Is the FIRST EARN (Secured RuPay) available in India?

Yes — the FIRST EARN (Secured RuPay) is issued by IDFC First Bank and is available to eligible applicants in India. Approval depends on the issuer's own credit and income criteria.

When were the FIRST EARN (Secured RuPay) figures last checked?

We checked its purchase APR in October 2026 and its welcome offer in October 2026, each against a published document. Not yet checked with IDFC First Bank: credit requirement. We could not verify, so we do not print: annual fee, foreign transaction fee and earn rates. Check them with IDFC First Bank. Terms can change without notice, so confirm the current details with IDFC First Bank before you apply.