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ESG
Did you know you can get more with your fixed deposit (FD)?
Yes, it is true! Your FD can help you earn cashback on everyday spends. Wondering how?
The answer is a FIRST EA₹N RuPay Credit Card from IDFC FIRST Bank. This credit card allows you to turn your FD into more than just a savings tool by giving you attractive cashback on all spends without any previous credit history.
Let’s break down the RuPay card benefits and understand what is in store for you.
What is the FIRST EA₹N RuPay Credit Card?
The FIRST EA₹N RuPay Credit Cardis a secured credit card which is issued against an FD. You can apply with a minimum fixed deposit of ₹5,000.
This card differs from regular credit cards in various aspects, such as:
Parameters |
FIRST EA₹N RuPay Credit Card |
Regular credit cards |
Type of credit card |
Secured |
Unsecured |
Basis of issuance |
Issued against a fixed deposit |
No fixed deposit is required. The card is issued depending on your income, credit score and other eligibility parameters |
Credit history |
Not required |
Required |
Minimum income requirement |
Not applicable |
Might be applicable |
Suitability |
Suitable for individuals with low or no credit score. Moreover, individuals without a regular source of income, like homemakers, can also apply for the card. |
Suitable for individuals who meet the eligibility parameters of the card. |
What are the benefits of the FIRST EA₹N RuPay Credit Card?
The FIRST EA₹N RuPay Credit Card is not just about gaining access to credit; it is designed to make every day spending more rewarding. From cashback on payments to perks like discounts and insurance coverage, it offers benefits that can add real value to your financial routine.
Let’s have a closer look at the RuPay card benefits that you get:
1. Seamless UPI transactions
The UPI-enabled FIRST EA₹N RuPay Credit Card allows you to pay seamlessly for all types of transactions - online or offline. Moreover, as the card is virtual, you don’t have to carry your wallet every time you step out of your home. Your smartphone is all you need to enjoy RuPay card benefits and make fast payments at 60 million merchants.
2. Attractive cashbacks
While the RuPay card benefits are many, the primary benefit of the FIRST EA₹N RuPay Credit Card is the cashback you can earn on every transaction. Here’s what’s up for grabs:
a. 100% cashback, up to ₹500, on your first UPI payment within 15 days of card generation
b. 5% cashback, up to ₹1000, on the transaction value of the first EMI conversion within 30 days of card generation
c. Up to ₹200 cashback on the first four transactions done through the IDFC FIRST Bank mobile app within 15 days of the annual fee being levied
d. 1% cashback on all UPI payments done through the IDFC FIRST Bank mobile app
e. 0.5% cashback on UPI payments done through other apps and on online spends
f. 0.5% cashback on utility bill payments, insurance payments, and wallet recharge
3. Lifestyle benefits
Besides cashback offers, the FIRST EA₹N RuPay Credit Card also unlocks attractive discounts on lifestyle expenses. You can enjoy -
a. 25% discount, up to ₹100, with District by Zomato
b. 20% discount across 1500+ restaurants
4. Complimentary insurance coverage
The FIRST EA₹N RuPay Credit Card rewards you with an added layer of financial security with the inbuilt complimentary insurance coverage. You get the following RuPay card benefits -
a. Lost card liability cover of ₹25,000
b. Complimentary roadside assistance cover worth ₹1399
c. Personal accident coverage of up to 2 lakhs
Who should apply for the FIRST EA₹N RuPay Credit Card?
The FIRST EA₹N RuPay Credit Card is suitable for all, especially for those who -
- Are new to credit and have no active credit history, such as students, first-time card users, etc.
- Have a low credit score
- Have a low or minimal income
- Do not meet the eligibility criteria of other traditional credit cards
With simple eligibility requirements and an instant online application process, you can access the FIRST EA₹N RuPay Credit Card within minutes.
How to apply for the FIRST EA₹N RuPay Credit Card?
If,
- You are an Indian citizen
- Have a permanent address in India
- You are aged 18 years and above
You can apply for the FIRST EA₹N RuPay Credit Card. Apply online by providing your details and submitting the required documents.
It is a virtual card that is issued instantly and has a minimum credit limit equivalent to 100% of your FD. While your FD will continue to earn guaranteed returns of up to 6.75% p.a., the credit card will offer credit access, cashback and other benefits.
Manage your finances effectively with FIRST EA₹N RuPay Credit Card
With rewarding cashbacks, easy accessibility and minimal deposit requirements, the FIRST EA₹N RuPay Credit Card ticks all the right boxes. As it is secured against your FD, it also drives responsible credit behaviour so that you do not spend more than you can afford.
Let your FD grow with attractive interest income while you enjoy the benefits of your RuPay card. The FD interest income and cashback on the card maximise savings for effective financial management. A win-win combination, isn’t it? Apply for the card and get started by making a deposit.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.