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IDFC FIRST EARN Credit Card
IDFC • Visa

IDFC FIRST EARN Credit Card

IDFC FIRST EA₹N Credit Card is offered against IDFC Bank FDs with attractive cashbacks and discounts on movie tickets, dining & bank’s mobile app spends.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • IDFC FIRST EARN Credit Card should be treated as an entry lifestyle rewards card where consistent category routing determines final value.
  • The card's cashback model is most effective when usage stays aligned to its core categories: Lifetime Free, Dining, Movies.
  • Lounge upside is not part of this card’s practical value in current mapping, so returns should be judged mainly on spend economics.

Best Utilization

  • Use for recurring lifestyle/dining spends and pair with a stronger online cashback card.
  • Review monthly statements and re-route spend once marginal returns weaken outside the intended category lanes.
  • As a lifetime-free card, it works best as a focused specialist in a multi-card portfolio.

Watchouts

  • Without tight category routing, this card can behave like a low-yield generic rewards product.
  • No complimentary lounge access is currently mapped for this card.
  • Reward caps, partner exclusions, or MCC filtering can reduce realized yield versus headline marketing rates.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports13
  • Approval reports7

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for IDFC FIRST EARN Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Pre Approved Personal Loans
  • Personal Loan Interest Rates
  • Instant Personal Loan
  • Personal Loan Low CIBIL Score

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About IDFC FIRST EARN Credit Card

IDFC FIRST EARN Credit Card is a cashback card from IDFC, best for travel & lounge access. It is tagged under lifetime free, dining, movies categories in our database.

Lifetime FreeDiningMovies

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Frequently asked questions

Is IDFC FIRST EARN Credit Card lifetime free?

IDFC FIRST EARN Credit Card is lifetime free with no annual fee.

What rewards does IDFC FIRST EARN Credit Card offer?

IDFC FIRST EA₹N Credit Card is offered against IDFC Bank FDs with attractive cashbacks and discounts on movie tickets, dining & bank’s mobile app spends.

Does IDFC FIRST EARN Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider IDFC FIRST EARN Credit Card?

Travel & lounge access

Where can I apply for IDFC FIRST EARN Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.