💡 Overview

Secured Card on FD: Requires a Fixed Deposit (FD) of ₹5,000+ with IDFC FIRST Bank; credit limit is 100% of the FD

Joining & Annual fee of ₹499 + GST

💰 Cashback & Rewards

UPI via IDFC app                            : 1% (capped at ₹500/month) 

UPI/online/utility/insurance via other apps : 0.5%                                                                           

Welcome bonus                               : 100% cashback (up to ₹500) on first UPI transactions within 15 days  

🛡️ Other Benefits

Roadside assistance (4 times/year, ₹1,399 value) 

Insurance covers: Lost-card liability ₹2 lakhs, personal accident ₹25k, purchase protection ₹25k, travel-related covers 

🧾 Fees & Interest

Joining/Renewal Fee: ₹499 + GST per annum

Interest Rate (APR) Starting from 8.5% - 46.2% per annum.

Foreign transactions: 3.5% forex markup 

👍 Who’s It For?

* Beginners/new credit users, those building credit history.

* Individuals comfortable with a modest annual fee in exchange for FD-backed credit.