Credit Cards Rewards Program

IDFC FIRST Bank offers a dynamic rewards program designed to maximise value on every spend. For most of our cards, including the FIRST Millennia, FIRST Classic, FIRST Select, and FIRST Wealth, the structure is built to reward you more as you spend more.

Here’s a general breakdown:

• 3X reward points on monthly spends up to ₹20,000
• 10X reward points on incremental spends exceeding ₹20,000 each month and on all spends made on your birthday
• 3X reward points on rental and property management payments
• 1X reward points on utility and insurance payments

Each reward point holds a value of ₹0.25. The baseline earning rate is 1X, which translates to one reward point for every ₹150 spent. This transparent structure ensures your rewards accumulate quickly and are easy to redeem.

You can earn an impressive 10X reward points in two primary ways:

1. On incremental spends above ₹20,000: Every statement cycle, once your total spending crosses the ₹20,000 threshold, you automatically start earning 10X points on all subsequent eligible purchases.

2. On your birthday: All eligible transactions made on your birthday are rewarded with 10X points.

Please note: Transactions like rent, education fees, government payments, wallet loads, and utility bill payments are excluded from the 10X benefit but still earn rewards at their standard rates.

Reward points on IDFC FIRST Bank Credit Cards are calculated uniformly, with the base rate being 1 reward point for every ₹150 spent (1X). However, the earn rate varies across categories and transaction types, as outlined below:

• Standard earn rate:
- 3X reward points on spends below ₹20,000 in a statement cycle.
- 1X reward point on insurance, utility bill payments, rent, education, government transactions, and wallet loads.

• Accelerated earn rate:
- 10X reward points on incremental spends above ₹20,000 per statement cycle.
- 10X reward points on spends made on the cardholder’s birthday.
(Excluding rent, education, government transactions, wallet loads, and utilities).

• UPI transactions:
- 3X reward points on UPI spends of ₹2,000 or more after activating the service with a one-time fee of ₹199.
- 1X reward points on UPI spends of transactions below ₹2,000.

• Bonus travel rewards:
For FIRST Millennia, FIRST Classic, FIRST Select, and FIRST Wealth credit cards:
- 20X bonus reward points per ₹150 spent on flight bookings.
- 50X bonus reward points per ₹150 spent on hotel bookings.
- Capped at 8,000 bonus travel reward points per month.
These reward points are in addition to standard earn rates.

• For metal credit cards like Ashva and Mayura:
- 30X bonus reward points per ₹150 spent on flight bookings
- 50X bonus reward points per ₹150 spent on hotel bookings.
- Capped at 1,50,000 RP for Mayura is and 1,00,000 RP for Ashva.

Here is the table depicting reward structure between FIRST Classic, FIRST Select, FIRST Millennia, and FIRST Wealth Credit Card.

We believe in making your birthday extra special. With an IDFC FIRST Bank credit card, including the FIRST Classic, Millennia, Wealth, and Select variants, you receive a birthday bonus.

Cardholders earn an incredible 10X reward points on all eligible transactions made on their birthday. (Standard exclusions like fuel, EMI transactions, and cash withdrawals apply).

The IDFC FIRST Bank FIRST SWYP Credit Card is one of the best credit cards for online shopping. It makes shopping smarter with zero-interest EMI conversions on eligible purchases, charged only with a flat monthly conversion fee for transparent repayments. Customers enjoy 1,000 reward points on the first EMI transaction and 2,000 bonus points on spends above ₹5,000 within 30 days. Additionally exclusive perks include ₹2,100 EaseMyTrip coupons for travel booking, ₹700 monthly travel discounts, and savings on online food orders and shopping. With railway lounge access, movie discounts, and roadside assistance, the SWYP card combines affordability and lifestyle benefits for online shoppers.

During festive seasons, shoppers can enjoy flagship sales across online and retail stores, use coupons and discount codes, and explore merchant-linked offers from IDFC FIRST Bank Credit Cards. Combining exclusive first-time user discounts and omnichannel deals on electronics, two-wheelers, and more helps maximise savings effectively during celebrations. For the latest offers on your IDFC FIRST Bank cards, visit www.firstrewards.in.

To apply for an IDFC FIRST Bank Credit Card online:

1. Start by visiting the official webpage at https://www.idfcfirstbank.com/credit-card.
2. Click on Apply Now or choose a card to know more.
3. During the application, fill in the required personal details such as your name, mobile number, and date of birth, and submit your application.
4. You will need to upload identity and address proofs for KYC verification; commonly accepted documents include Aadhaar card, passport, and PAN card.
5. After successful verification, your credit card will be dispatched to your registered address.

Note that having an IDFC FIRST Bank account is not mandatory. However, it is advisable to review the card’s terms, credit limits, and payment options before applying.