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IDFC FIRST Bank’s Refer and Earn: All you need to know

Key Takeaways

Your credit card now comes with a Refer and Earn program, which benefits both you and your loved ones.
When someone you refer signs up for an IDFC FIRST Bank credit card, you earn lucrative perks while they get a card that matches their lifestyle.
Referring more people can help you unlock unlimited rewards and benefits from the program.
The credit card referral process is straightforward and can be completed in a few simple steps.

04 Jul 2025 by Team FinFIRST

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Do you use a food-ordering app or a ride-hailing service?

If you do, you must be familiar with their referral programs, where you can refer your friends or relatives to join the app to use their service and get rewarded in the process. Freebies, discount coupons, cashbacks - the benefits of referrals are many.

What if you can enjoy the same benefits with your credit card?

IDFC FIRST Bank has introduced a new Refer and Earn program that rewards you for referring your credit card to others. While you enjoy the benefits of referrals, the referee can also receive a credit card that meets their needs.

Let’s delve into the various aspects of the program and answer some of the queries that you might have.

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What is the Refer and Earn program of IDFC FIRST Bank?

The Refer and Earn program allows credit cardholders to refer eligible credit cards to their loved ones.

What are the benefits of the Refer and Earn program?

The Refer and Earn program for credit cards is beneficial for both the referrer and the referee. Here’s how -

1. Benefits for the referrer

Here are the benefits that you can get when you refer your credit card to others -

a. Attractive cashback

When you refer a credit card and the referee applies for it, you get 5% cashback, up to ₹1000, on your statement month’s transactions. This cashback is available in the first 30 days of issuance of the referee’s credit card.

If you refer the Ashva or Mayura Credit Cards, the maximum cashback limit increases to ₹2000.

b. Offering credit card benefits to loved ones

You can extend the benefits of a credit card to your loved ones, which can provide them with access to credit and ease financial transactions.

2. Benefits for the referee

In addition to you, the referred individual can also enjoy various benefits under the bank's referral program. These benefits include the following -

a. Credit access

The referee can get a credit card and unlock the credit access available for their financial transactions. This increases their purchasing power and helps them manage their finances easily.

b. Joining benefits

When the referee applies for an IDFC FIRST Bank Credit Card and uses it, they can unlock attractive joining benefits like -

i. Gift vouchers worth ₹500 on spending ₹5000 or more within the first 30 days of card generation

ii. 5% cashback, up to ₹1000, on the transaction value of the first EMI conversion done within the first 30 days of card generation

c. Credit card benefits

Depending on the credit card selected, the referee can enjoy accelerated reward points, cashbacks, offers on movie ticket bookings, airport lounge access, fuel surcharge waiver, and more.

How does the referral program work?

The credit card referral program is simple and easy. Here are the steps to refer someone to apply for a credit card -

Click on the ‘Refer and Earn’ button
Share the referral link with the referee
The referee will click on the link and apply for the credit card

Who is eligible for the Refer and Earn program?

You can unlock the benefits o f the Refer and Earn program [3] [4] if you are an existing IDFC FIRST Bank customer. You must own the bank’s credit card or account to make a successful referral. Moreover, you can refer eligible credit cards to others. Eligible individuals who can be referred for the add-on credit card include your spouse, children, parents, siblings, and close friends.

For referees, activating the credit card is essential to enjoy the available welcome benefits.

How to maximise the benefits of the Refer and Earn program?

Here are some tips that you can use to maximise the benefits available under the Refer and Earn program -

Refer as many people as possible to enhance the referral benefits
Refer individuals who are likely to join the credit card so that you become eligible for the benefits
Understand the referee’s spending behaviour. This will motivate the referee to join the eligible card if the rewards align with their spending habits

What makes IDFC FIRST Bank Credit Cards stand out?

Dynamic, low interest rates starting from just 8.5% p.a. (0.71% per month)
Earn never-expiring reward points on every transaction and redeem them anytime
Exclusive merchant discounts and offers on shopping, dining, travel, and more
Flexible repayment options with affordable interest rates on carried balances
Instant online approval and seamless, hassle-free application process
Enjoy financial flexibility for lifestyle upgrades, emergencies, or everyday expenses
Safe, secure, and seamless transactions across physical and online merchants
Recognised among the World’s Best Banks 2025 by Forbes in partnership with Statista

Refer more, earn more

The Refer and Earn program from IDFC FIRST Bank is a win-win. It allows you access benefits that your primary credit card might not offer and gives referees a choice of credit cards to make the most of their lifestyle and spending habits, all with just a few taps and by sharing a link.

Understanding the nitty-gritty of the bank referral program can help you unlock its potential. Let your loved ones enjoy the benefits of IDFC FIRST Bank Credit Cards while you enjoy the added perks of referrals. Start referring today!

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.