FIRST EA₹N Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC FIRST Bank
Network: RuPay | Tier: Entry
IDFC FIRST credit card offering rewards, lifestyle benefits and digital convenience.
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
- Flexible usage"
Drawbacks of the FIRST EA₹N Credit Card
- Benefits vary by card variant
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
Expert Rating: 4.2/5