FIRST EA₹N - FD Backed Virtual RuPay Credit Card
A Cashback Credit Card for Everyone
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Axis Bank ACE
At ₹50,000/month with 15% travel and 10% dining.
Tools for FIRST EA₹N - FD Backed Virtual RuPay Credit Card holders
Frequently asked
Is the FIRST EA₹N - FD Backed Virtual RuPay Credit Card worth the ₹499 fee?
It depends on your spend. The FIRST EA₹N - FD Backed Virtual RuPay Credit Card earns 0.5% base reward and waives the annual fee at ₹1,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for FIRST EA₹N - FD Backed Virtual RuPay Credit Card?
IDFC First hasn't published a hard minimum income for FIRST EA₹N - FD Backed Virtual RuPay Credit Card. Approval depends on credit score, existing relationship, and employment type.
What is the forex markup on FIRST EA₹N - FD Backed Virtual RuPay Credit Card?
FIRST EA₹N - FD Backed Virtual RuPay Credit Card charges 3.5% forex markup on international transactions.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.