FIRST EA₹N Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC First Bank
Network: RuPay | Tier: Entry
The FIRST EA₹N Credit Card is an Entry RuPay credit card issued by IDFC FIRST Bank, best suited for domestic reward seekers; Occasional international users with larger transactions. IDFC FIRST credit card offering rewards, lifestyle benefits and digital convenience. It carries a joining fee of ₹199 and an annual fee of ₹199 (waived on eligible annual spends of ₹10 lakh), with an interest rate of 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a.. Key benefits include Reward points, Lifestyle offers, Fuel surcharge waiver, and Digital features. Reward earnings work as follows: Accelerated cashback/rewards. New cardholders get a welcome benefit of Shopping/travel vouchers. On fees — Lounge access: Airport lounge access; Foreign transaction markup: ₹200 fixed fee per foreign currency / DCC transaction; Fuel surcharge: 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle. Applicants typically need high-spend lifestyle users to qualify. It falls under the Rewards category on CreditCardHunt.
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Why Choose the FIRST EA₹N Credit Card?
The FIRST EA₹N Credit Card is a Entry-tier RuPay credit card issued by IDFC First Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Domestic reward seekers; Occasional international users with larger transactions. With a reward rate of Accelerated cashback/rewards and an annual fee of ₹199 (waived on eligible annual spends of ₹10 lakh), it ranks among the popular Rewards cards in India in 2026.
New cardholders are welcomed with Shopping/travel vouchers, which adds immediate value in the first year and helps recover the ₹199 joining fee.
FIRST EA₹N Credit Card Fees & Charges
| Annual Fee | ₹199 (waived on eligible annual spends of ₹10 lakh) |
|---|---|
| Joining Fee | ₹199 |
| Interest Rate | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | ₹200 fixed fee per foreign currency / DCC transaction |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
FIRST EA₹N Credit Card Rewards & Benefits
| Reward Rate | Accelerated cashback/rewards |
|---|---|
| Welcome Bonus | Shopping/travel vouchers |
| Lounge Access | Airport lounge access |
| Best For | Domestic reward seekers; Occasional international users with larger transactions |
Key Highlights of the FIRST EA₹N Credit Card
- Reward points
- Lifestyle offers
- Fuel surcharge waiver
- Digital features
FIRST EA₹N Credit Card Eligibility Criteria
- Age 18+
- Good credit score
- As per bank eligibility
Minimum Income Required: High-spend lifestyle users
Advantages of the FIRST EA₹N Credit Card
- Competitive benefits — a genuine plus for anyone eyeing this entry card.
- Flexible usage — a real advantage for domestic reward seekers; Occasional international users with larger transactions.
Drawbacks of the FIRST EA₹N Credit Card
- Benefits vary by card variant — worth weighing before you apply.
FIRST EA₹N Credit Card — Frequently Asked Questions
What is the annual fee of the FIRST EA₹N Credit Card?
The FIRST EA₹N Credit Card has an annual fee of ₹199 (waived on eligible annual spends of ₹10 lakh) and a joining fee of ₹199. New cardholders receive Shopping/travel vouchers as a welcome benefit, which helps offset the joining cost.
Does the FIRST EA₹N Credit Card offer airport lounge access?
Yes — the FIRST EA₹N Credit Card offers Airport lounge access.
Who is eligible for the FIRST EA₹N Credit Card?
The minimum income requirement is High-spend lifestyle users. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the FIRST EA₹N Credit Card?
The FIRST EA₹N Credit Card earns Accelerated cashback/rewards. It is best suited for Domestic reward seekers; Occasional international users with larger transactions.
Credit Cards Similar to the FIRST EA₹N Credit Card
If you are considering the FIRST EA₹N Credit Card, these rewards credit cards are worth comparing before you apply:
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- RuPay Credit Card on UPI — circulars and guidelines — National Payments Corporation of India (NPCI)
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.2/5 (Credit Card Hunt editorial score)