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IDFC FIRST Bank

IDFC FIRST Earn Credit Card

Earn reward points on every spend — entry-level, lifetime free.

Apply on IDFC FIRST Bank →Last updated: 3 June 2026

Key highlights

  • Lifetime free
  • Reward points on all spends
  • Movie & dining offers

Pros & cons

Pros
  • Lifetime free
  • Reward points on all spends
  • Movie & dining offers
Cons
  • Interest on revolving balance is high — avoid carrying a balance

Eligibility

  • Indian resident, 21 years or older
  • Salaried or self-employed with stable income
  • Valid PAN and Aadhaar
  • Healthy credit history preferred (CIBIL 700+)

Documents required

  • PAN card
  • Aadhaar card
  • Latest 3 months salary slips or ITR
  • Last 3 months bank statement

Frequently asked questions

How do I apply for the IDFC FIRST Earn Credit Card?+

You can apply online through the issuer's website. SurfBP links you to the official application form — the final decision rests with IDFC FIRST Bank.

Will applying impact my CIBIL score?+

A formal application triggers a hard enquiry which may temporarily reduce your CIBIL score by a few points. Apply only when you genuinely need the card.

What happens if I miss a payment?+

Late payments attract interest (typically 36–46% p.a.), late fees, and can damage your credit score. Always pay at least the minimum amount due by the due date.

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