Get a virtual credit card instantly with FIRST EA₹N Credit Card

Meet Riya.

She’s 26, lives in Pune, freelances as a graphic designer, and manages her entire life from her phone—from food delivery to finances. But when she tried getting a credit card? Endless forms, income proof requirements, credit checks, and a week of waiting. All for a “no” because the lender didn’t consider her income “regular enough.”

Sound familiar?

If you’ve ever tried to apply for a credit card as a young freelancer in India, you might relate. Riya did, too—until she found FIRST EA₹N Credit Card, a virtual credit card that can be obtained instantly. No paperwork. No income proof. No awkward conversations about her credit score. Just instant access to credit, right on her phone.

That’s what the FIRST EA₹N Credit Card is all about—a digital solution for today’s generation. Let’s learn more about this virtual credit card.

What’s a virtual credit card?
 

A virtual credit card is a fully digital version of a regular credit card. It works the same way—a 16-digit unique card number, expiry date, and card verification value (CVV). The only difference? It lives in your phone rather than your wallet.

Here’s what makes it handy –

1. It’s ready to use right after approval
2. You can lock or unlock it anytime
3. No risk of losing it or someone stealing it from your bag
4. Perfect for digital payments like online shopping, subscriptions, app payments, and even paying at local stores via Unified Payments Interface (UPI)

The big difference? You can’t swipe or tap it at a store. But if you mostly shop online or use your phone to pay, you won’t even miss the physical card.

The FIRST EA₹N Credit Card takes this concept and makes it even better. This fixed deposit (FD)-backed virtual credit card is designed for a digital life, from fast online payments to UPI at over 60 million shops.

Here’s how FIRST EA₹N fixes the credit card runaround
 

Now, you might wonder, how does this virtual credit card differ from the physical credit card? The traditional ones ask you for –

1. Salary slips 
2. Employer details
3. Tax returns 
4. A reliable credit score and history

Then there’s the long wait. And the rejection, especially if your income is irregular or you're new to credit.

Now, let’s see how FIRST EA₹N Credit Card solves all these problems –

1. No income proof required for approval
 

Traditional credit cards often ask for proof of income to make sure you can pay back what you borrow. The problem? Not everyone has a fixed or regular income, especially freelancers or young professionals starting their careers. If you don't have those payslips, the bank may reject your application.

FIRST EA₹N Credit Card? You don’t need proof of income. All you need is an FD of ₹5,000 or more with IDFC FIRST Bank. Whether you’re a gig worker or have an irregular income stream, you’re still eligible for this card. And the best part? Your FD grows at an interest rate of up to 6.75% per annum while you enjoy your new card.

2. Forget credit history checks and rejections
 

Traditional credit cards are picky about your credit history. If you’ve had late payments or don’t have a long credit record, you may not get approved.

With the FIRST EA₹N Credit Card, it does not matter if you don’t have a strong credit history. This is a major breakthrough, particularly for those new to credit or seeking to rebuild their credit score. Since there’s no focus on your credit history, getting approved is way simpler.

3. Affordable entry with rewarding benefits
 

Traditional credit cards sometimes can come with high joining fees and hidden charges that make getting started expensive. But this is where the FIRST EA₹N Credit Card stands out with its incredibly affordable joining and annual fees of ₹499 + GST.

And it gets even better! When you make your first UPI transaction with the card, you have the chance of getting 100% cashback up to ₹500 as a welcome gift. This means you have an opportunity to easily recover your joining fee right away, making it a smart, budget-friendly choice for anyone starting their credit journey.

4. Instant card activation for immediate use
 

Traditional credit card applications can take days—or even weeks—to process. You fill out a form, wait for approval, and then wait for the physical card to arrive.

With the FIRST EA₹N Credit Card, the moment you’ve completed your application and received approval, you can start using this instant credit card digitally. You’ll be ready to make online purchases and use it for UPI transactions within minutes.

5. Completely paperless application process
 

Traditional credit card applications require a heap of paperwork—proof of income, address verification, bank statements, and more. The whole process can feel unnecessary.

But when you go for the FIRST EA₹N Credit Card, it’s entirely paperless. You only need an FD with IDFC FIRST Bank and basic KYC documents, such as your Aadhaar or PAN card.

Traditional credit cards vs FIRST EA₹N Credit Card
 

How to get a virtual credit card in India
 

Getting started is fast and easy. Here’s how you can get your virtual credit card –

1. Step 1 – Download the IDFC FIRST Bank Mobile Banking App. 
2. Step 2 – Register and verify your details.
3. Step 3 – Open an FD of a minimum of ₹5,000.
4. Step 4 – Complete your KYC.
5. Step 5 – Your FIRST EA₹N Credit Card is live.

Now, you can use this cashback credit card for everything—from a chai to a big-ticket item online or through UPI, all through your phone.

Pay anywhere, anytime—right from your phone
 

Your FIRST EA₹N Credit Card works wherever you go—without you having to carry anything.

1. Shopping online? Use your card number like any other credit card
2. Paying at a shop? Just scan the UPI QR code and pay via the IDFC FIRST Bank Mobile Banking App
3. Splitting dinner with friends? UPI works here, too.

You can even link this virtual credit card with Google Pay, PhonePe, or Paytm and use it like any other UPI option. Except now, you're using credit. And earning cashback while you’re at it.

Worried about safety? You’re fully covered
 

Digital payments make life easier, but what about security?

The FIRST EA₹N Credit Card is built for digital safety. Here’s what gives you peace of mind –

1. You can block or unblock the card instantly through the app
2. Your data is safe with end-to-end encryption
3. Real-time transaction alerts keep you in control
4. It’s not physical, so it can’t be stolen from your wallet 
5. Lost card liability coverage up to ₹25,000 
6. Personal accident insurance up to ₹2,00,000

So, not only is it fast and easy, but it’s also secure.

Who is this virtual credit card perfect for?
 

If you’ve ever been turned away from traditional credit cards because you don’t have a "regular job," the FIRST EA₹N Credit Card is made for you.

1. No one asks you where you work or how much you make
2. You don’t need to explain why your income is different each month
3. You just need to open a fixed deposit, and the card is yours

It’s the ideal credit card, but without proof of income, it gives you access to credit when you need it, without the usual barriers. Whether you’re a freelance photographer, a student hustling on side gigs, or just someone who prefers flexibility to manage finances, this virtual credit card fits your lifestyle.

Why you’ll love FIRST EA₹N Credit Card
 

Let’s recap why it’s a great pick –

1. No paperwork 
2. No income proof 
3. No credit history needed 
4. Issued instantly 
5. Fully digital and mobile-first 
6. Works across 60+ million merchants 
7. Safer than a physical card 

It’s a full-featured virtual credit card—without the hoops.

Final thoughts
 

Riya didn’t have to beg a bank for credit. Neither should you. The FIRST EA₹N Credit Card is here to help you bypass the usual hurdles and get access to credit without the paperwork, income proof, or credit checks. Whether you’re new to credit or just want something that matches your digital lifestyle, this card gives you the freedom and flexibility you deserve.

Apply now and start using your FIRST EA₹N Credit Card instantly—no paperwork, no waiting, just seamless digital payments.