Credit Card Referral Program - Refer & Earn Rewards

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Refer Now

Earn rewards, share the benefits

Get cashback for referrals while your friends and family enjoy exclusive credit card benefits

What you get?

5% Cashback for every successful referral

Up to ₹2,000 cashback on metal cards

Up to ₹1,000 cashback on other cards

Exclusive credit card benefits

What your friends get?

Enjoy 0% forex markup on international spends

Low interest rates starting from 8.5% p.a.

300+ offers across top brands

5% cashback up to ₹1,000 on 1^st EMI transaction within 30 days of card generation

How it works

Follow these three easy steps:

Share Your Link:

Click here to generate
a unique shareable referral link

Your Friend Applies:

Uses your referral link to apply for an IDFC FIRST Bank Credit Card

You Both Earn:

Once activated, you earn 5% cashback* and they enjoy exclusive perks!

*Calculated on your own card spends made within 30 days from the date your referee's card is issued.

Why refer IDFC FIRST Bank Credit Cards?

Over 3 million customers trust IDFC FIRST Credit Cards for rewarding experiences, convenience, and more.

Get Instant Approval

Fast, hassle-free approval process-your friends can get started in minutes.

Rewards as Good as Cash

Use reward points directly on online and select offline transactions—just like cash.

All-Round Savings

Accelerated rewards on fuel, groceries, dining, utilities, and more.

UPI-Enabled Convenience

With the RuPay add-on, your friends can pay via UPI apps and earn up to 3X reward points.

Up to 10X Reward Points

Elevate your regular spends with Reward Points.

Travel Lounge Access

Complimentary access to railway and airport lounges for comfortable travel.

Easy EMI Options

Convert spends over ₹1,500 into affordable EMIs- Instantly and digitally.

Exclusive Offers

Access 1500+ merchant deals and 200+ dining offers across India.

Lower Interest Rates

Cards with interest rates starting at just 8.5% p.a.—among the lowest in the industry.

There’s a card for everyone you know

Whether your friends want a simple, feature-rich card for daily spends or premium Metal card that makes a statement, we have the perfect option. Refer today and unlock rewards for both of you.

Metal Range Fee-Based Lifetime Free

Premium Metal 0 Forex Fee

Ashva

Premium travel benefits with airport lounge and golf access

Refer Now Know more

Premium Metal 0 Forex Fee

Mayura

Luxury travel benefits with zero forex, airport lounge access

Refer Now Know more

Fulfilment Period: Receive your referral benefit within 60 days from referee card generation

Referral Limit: 5 in a lifetime

Eligible Cards: All IDFC FIRST Bank’s credit cards, except business, LIC, and Club Vistara Credit Cards, are eligible for cashback on successful referrals.

Frequently Asked Questions

All

Referral Program Basics

Benefits

How it works

What is the IDFC FIRST Bank Credit Card Referral Program?

The IDFC FIRST Bank Credit Card Referral Program allows existing IDFC FIRST Bank Credit Card customers to refer friends and family for an IDFC FIRST Bank Credit Card and earn cashback on eligible spends after a successful referral.

How can I refer someone for an IDFC FIRST Bank Credit Card?

• Click on Refer Now

• Enter your Registered mobile number

• Get your unique referral link

• Share the link with your friends & family

• They apply for an IDFC First Bank credit card

How much cashback can I earn?

You can earn 5% cashback on your eligible spends made within 30 days from the date of your referee's (Referred friend) Credit Card is generated. Cashback is capped at ₹1,000 per successful referral for regular Credit Cards and ₹2,000 for eligible Metal Credit Cards.

How many people can I refer?

There is no limit on the number of referrals you can make. However, cashback is applicable only on your first 5 successful referrals where the referred customer’s eligible Credit Card is generated.

What are the eligibility criteria for referral cashback?

To earn cashback, you must be an existing IDFC FIRST Bank Credit Card customer, and your referred customer must successfully get an eligible IDFC FIRST Bank Credit Card through your referral. If the referred customer is already an IDFC FIRST Bank Credit Card holder, the referer will not be eligible for cashback.

When will I receive my referral cashback?

Your cashback will be calculated on eligible Credit Card spends made within 30 days from the referee’s (referred friend's) Credit Card issued date. The cashback will be credited within 60 days of successful Credit Card creation.

Important Documents

Most Important Terms & Conditions

Card Member Agreement

Credit Card
Basics

IDFC FIRST Bank Mobile App

Drop a ‘Hi 👋’ on 9555 555 555

Call us on 1800 10 888

Locate our nearby

Refer. Share. Earn 5% Cashback

Earn rewards

How it works?

Why refer?

Eligible Cards

FAQs

Earn rewards, share the benefits

How it works

Why refer IDFC FIRST Bank Credit Cards?

Get Instant Approval

Rewards as Good as Cash

All-Round Savings

UPI-Enabled Convenience

Up to 10X Reward Points

Travel Lounge Access

Easy EMI Options

Exclusive Offers

Lower Interest Rates

There’s a card for everyone you know

Ashva

Mayura

FIRST SWYP

FIRST Power & FIRST Power +

FIRST Classic

FIRST Millennia

FIRST Select

FIRST Wealth

FIRST WOW!

Frequently Asked Questions

What is the IDFC FIRST Bank Credit Card Referral Program?

How can I refer someone for an IDFC FIRST Bank Credit Card?

How much cashback can I earn?

How many people can I refer?

What are the eligibility criteria for referral cashback?

When will I receive my referral cashback?

Get in touch with us

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CUSTOMER FRIENDLY BANK

Refer. Share.
Earn 5% Cashback