Skylar
KF Master
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How to apply for the FIRST EA₹N Virtual Credit Card
Register and verify
your details
Choose and fund your
Fixed Deposit
Complete your KYC
process
Your FIRST EA₹N
Credit Card is ready
Credit Card Application - Apply for Credit Card
Credit Card Application - Super saver interest rates with 10 times rewards on monthly spends. Life time free credit card with best customer reviews. Apply now!
Proof of identity
- Aadhaar card
- PAN Card
Eligibility Criteria:
Age 18 years or aboveIndian citizen, with a current and permanent residential address
Have a fixed deposit with IDFC FIRST Bank with minimum amount of ₹10,000
The final decision lies solely with the Bank, in line with its internal policies, and notwithstanding the applicant meeting above credit card criteria.
Fees and charges
Joining fee: ₹588.82 | Annual fee (2nd year onwards): ₹588.82
Interest Rate (APR) Starting from 0.75% per month (9% p.a.)
Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction
Forex Markup at 3.5% for all international transactions
Utility spends (Electricity, Gas, Telecom etc.) above ₹20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle
