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Say ‘Hi 👋’ on WhatsApp at 9555 555 555 & we’ll get back to you instantly

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Track Requests

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View & track all your past and active service requests.

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Raise a Request

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Facing issues? Let us know how we can help you

Locate Us

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Locate your nearest IDFC FIRST Bank branches and ATMs

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We will be happy to help you 24x7.

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Spend Smart, Earn More: Unlimited Reward Points

IDFC FIRST Bank Credit Cards offer a rewarding experience for every transaction, allowing you to accumulate points that can be redeemed for a wide variety of benefits. The reward points system is designed to maximise the value of your daily purchases, whether you're spending on groceries, dining, travel, or entertainment. With every swipe of your IDFC FIRST Bank Credit Card, you earn points that add up quickly, giving you the flexibility to redeem them for gifts, travel bookings, vouchers, and more. The more you use your card, the more you benefit, making it an ideal choice for those who want to get the most out of their spending. Read on for more

Credit Card Reward Points: Earn on Every Spends

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For FIRST Millenia, FIRST Classic, FIRST Select and FIRST Wealth credit cards, earn up to 10X reward points on Dining, Travel, and International purchases and 3X reward points on all other spends. Utility, insurance, FASTag recharges, and railway spends earn 1X reward points. No reward points are earned on fuel spends, EMI transactions, or cash withdrawals.

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Earn up to 10X reward points on spends above ₹20,000 and on birthdays, and 5X reward points on expenses below ₹20,000 every month with the Ashva Credit Card and Mayura Credit Card. Additionally, earn 30 reward points per ₹150 on hotel bookings and 15 reward points per ₹150 on flight bookings made via the IDFC FIRST Bank Mobile App.​

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Earn up to 10X reward points on incremental spends above ₹20,000 in a statement cycle with the Diamond Reserve Credit Card. Additionally, earn 20 bonus reward points per ₹150 on hotel bookings and 10 bonus reward points per ₹150 on flight bookings made via the IDFC FIRST Bank Mobile App..

      

All Credit Card Rewards & Privileges

  • ►Unlock a new world of entertainment with an IDFC FIRST Bank Credit Card.
  • ►Enjoy exclusive movie deals.
  • ►Get discounts on concerts, events, and more.
  • ►Ensure premium experiences at the best price.
  • ►Book tickets to the latest blockbusters.
  • ►Attend live performances with special offers.
  • ►Enhance your outings with IDFC FIRST Bank's entertainment offers.
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  • ►Benefit from access to a network of global airport lounges with IDFC FIRST Bank Credit Cards.
  • ►Escape the hustle and bustle of busy airports.
  • ►Relax in luxurious lounges during your travels.
  • ►Enjoy lounge access whether traveling for business or leisure.
  • ►Ensure a smooth and comfortable journey abroad with international lounge privileges.
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  • ►Maximize transaction value with IDFC FIRST Bank’s reward points system.
  • ►Earn up to 10X points on every purchase.
  • ►Redeem points for a wide range of products, vouchers, and more.
  • ►Accumulate points quickly on groceries, travel, and dining.
  • ►Enjoy substantial savings and exclusive perks through reward points.
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  • ►Avoid high foreign exchange fees with IDFC FIRST Bank Credit Cards.
  • ►Benefit from as low as zero forex mark-up.
  • ►Ensure overseas transactions remain affordable.
  • ►Spend confidently abroad with competitive rates.
  • ►Enjoy some of the best forex rates in the market.
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  • ►Access premium golf benefits with select IDFC FIRST Bank Credit Cards.
  • ►Enjoy complimentary entry to leading golf courses nationwide.
  • ►Receive exclusive invitations to golf events.
  • ►Benefit both avid players and those refining their skills.
  • ►Elevate your golfing experience with these privileges.
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  • ►Enjoy railway lounge access with IDFC FIRST Bank Credit Cards as a frequent train traveller.
  • ►Relax in comfort before your journey begins.
  • ►Access Wi-Fi, refreshments, and a quiet space to unwind.
  • ►Enhance your train travel experience with this privilege.
  • ►Ensure comfort and convenience throughout your journey.
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  • ►Rely on IDFC FIRST Bank Credit Cards for road emergency coverage.
  • ►Access 24x7 roadside assistance services.
  • ►Benefit from towing and flat tyre replacement.
  • ►Receive emergency fuel delivery when needed.
  • ►Ensure peace of mind during journeys with immediate help available.
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  • ►Access robust insurance and protection benefits with IDFC FIRST Bank Credit Cards.
  • ►Enjoy travel insurance coverage.
  • ►Benefit from purchase protection.
  • ►Receive lost card liability cover.
  • ►Safeguard against unforeseen circumstances.
  • ►Gain security and peace of mind.
  • ►Focus on enjoying travels and purchases without worry.
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Benefits

Movie offers

  • ►Unlock a new world of entertainment with an IDFC FIRST Bank Credit Card.
  • ►Enjoy exclusive movie deals.
  • ►Get discounts on concerts, events, and more.
  • ►Ensure premium experiences at the best price.
  • ►Book tickets to the latest blockbusters.
  • ►Attend live performances with special offers.
  • ►Enhance your outings with IDFC FIRST Bank's entertainment offers.

Explore Now

International Lounge Access

  • ►Benefit from access to a network of global airport lounges with IDFC FIRST Bank Credit Cards.
  • ►Escape the hustle and bustle of busy airports.
  • ►Relax in luxurious lounges during your travels.
  • ►Enjoy lounge access whether traveling for business or leisure.
  • ►Ensure a smooth and comfortable journey abroad with international lounge privileges.

Explore Now

Reward Points

  • ►Maximize transaction value with IDFC FIRST Bank’s reward points system.
  • ►Earn up to 10X points on every purchase.
  • ►Redeem points for a wide range of products, vouchers, and more.
  • ►Accumulate points quickly on groceries, travel, and dining.
  • ►Enjoy substantial savings and exclusive perks through reward points.

Explore Now

Forex Mark Up

  • ►Avoid high foreign exchange fees with IDFC FIRST Bank Credit Cards.
  • ►Benefit from as low as zero forex mark-up.
  • ►Ensure overseas transactions remain affordable.
  • ►Spend confidently abroad with competitive rates.
  • ►Enjoy some of the best forex rates in the market.

Explore Now

Golf Privileges

  • ►Access premium golf benefits with select IDFC FIRST Bank Credit Cards.
  • ►Enjoy complimentary entry to leading golf courses nationwide.
  • ►Receive exclusive invitations to golf events.
  • ►Benefit both avid players and those refining their skills.
  • ►Elevate your golfing experience with these privileges.

Explore Now

Railway Lounge Access

  • ►Enjoy railway lounge access with IDFC FIRST Bank Credit Cards as a frequent train traveller.
  • ►Relax in comfort before your journey begins.
  • ►Access Wi-Fi, refreshments, and a quiet space to unwind.
  • ►Enhance your train travel experience with this privilege.
  • ►Ensure comfort and convenience throughout your journey.

Explore Now

Roadside Assistance

  • ►Rely on IDFC FIRST Bank Credit Cards for road emergency coverage.
  • ►Access 24x7 roadside assistance services.
  • ►Benefit from towing and flat tyre replacement.
  • ►Receive emergency fuel delivery when needed.
  • ►Ensure peace of mind during journeys with immediate help available.

Explore Now

Insurance & Protection

  • ►Access robust insurance and protection benefits with IDFC FIRST Bank Credit Cards.
  • ►Enjoy travel insurance coverage.
  • ►Benefit from purchase protection.
  • ►Receive lost card liability cover.
  • ►Safeguard against unforeseen circumstances.
  • ►Gain security and peace of mind.
  • ►Focus on enjoying travels and purchases without worry.

Explore Now

FAQs

What are Reward Points and how do they work with IDFC FIRST Bank Credit Cards?

Reward Points are a loyalty benefit you earn every time you use your IDFC FIRST Bank Credit Card for eligible transactions. Each card features a unique earning structure, offering points at a standard base rate and an accelerated (higher) rate for specific types of spending. For example, the FIRST Wealth Credit Card allows you to earn up to 10X reward points on select merchants across dining, international, and travel spends, helping you earn higher rewards on your transactions.​

You can redeem your accumulated Reward Points for a wide array of options, including gift cards, merchandise, and travel bookings, through the dedicated IDFC FIRST Bank Rewards portal. Additionally, you can redeem them during any transaction at the point of sale.​

Note: 1 Reward Point = ₹0.25. A nominal redemption fee of ₹99 + GST applies to each redemption transaction.

How do I redeem my accumulated Reward Points?

Redeeming your IDFC FIRST Bank Credit Card Reward Points is a seamless and convenient process. You can do it through multiple channels:

1. IDFC FIRST Bank Mobile app: Visit the official IDFC FIRST Bank Rewards portalIDFC FIRST Bank Rewards portal. Log in to your account, explore your options, and redeem on flights, hotels, gift cards, and merchandise.

2. Online Shopping: Select “Pay with Reward Points” on the OTP page when making online purchases at participating merchants.

3. In-Store Purchases: Choose the “Pay with Reward Points” option at the time of your transaction at select Pine Labs terminals.

Your reward options include e-vouchers from leading brands, exclusive merchandise, travel bookings, and special promotional offers. Please note that a nominal reward redemption fee of ₹99 + GST applies to each redemption transaction.

What are the minimum points required for redemption?

IDFC FIRST Bank has not laid down any minimum point requirements for redemption. However, you may need to redeem a specific number of reward points depending on the category you select.

Note that a fee of ₹99 + GST is applicable for each redemption transaction.

Can I transfer my Reward Points to family members?

While you cannot directly transfer Reward Points to another cardholder's account, you can certainly share the benefits. Simply redeem your points for e-vouchers or services and share them with your family members, including those who hold an add-on credit card linked to your primary account.

What’s the best way to use Reward Points for maximum value?

To get the most out of your hard-earned points, consider these strategies:

• Aim for high-value redemptions: Use your points for high-denomination e-vouchers or book flights and hotels, where the conversion value is often higher.

• Look for special promotions: Keep an eye on the rewards portal for special offers and deals with partner brands.

• Leverage accelerated earnings: Maximise your 10X points earned during high-spend months (with cards like FIRST Wealth or Ashva) and use them for premium redemptions to achieve substantial savings.

What is the difference between 1X, 3X, and 10X reward points earning?

The 'X' represents a multiplier of your card's base earning rate. Understanding this helps you strategise your spending:

• 1X Points: This is the base earning rate. For instance, you might earn 1 point for every ₹150 spent on certain categories, depending on your card.

• 3X Points: This means you earn triple the base rate. It's a common reward tier for spends below ₹20,000 (on cards like FIRST Millennia, FIRST Classic, FIRST Wealth, and FIRST Select) or on select spending categories.

• 10X Points: This is the highest reward tier, offering ten times the base rate. It's typically unlocked on incremental spends above ₹20,000 or on special occasions like your birthday (available on premier cards like Ashva and Mayura).

How do I earn 10X Reward Points on my IDFC FIRST Bank Credit Card?

You can earn 10x Reward points by:​

  • Spending more than ₹20,000 in a billing cycle (applicable to Ashva & Mayura Credit Cards).​
  • Spending on selected merchants on dining, travel and international purchases (applicable to FIRST Wealth, FIRST Select, FIRST Millennia, FIRST Classic Credit cards).​
  • Making purchases on your birthday.

What is the monetary value of 1 Reward Point in rupees?

The standard monetary value of 1 Reward Point is ₹0.25. This means that 10,000 points are worth ₹2,500, making accelerated 10X earning exceptionally valuable.

Even better, our premium cards offer a higher redemption value for specific categories, giving you more for every point:

• Mayura Card: Get an enhanced value of ₹0.50 for each point when redeemed for hotel and flight bookings via the IDFC FIRST Bank mobile app.

• Ashva Card: Enjoy a value of ₹0.40 per point for flight and hotel bookings made through the IDFC FIRST Bank mobile app.

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