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Credit Card

How can you make the most of IDFC FIRST Bank credit card offers?

Key Takeaways

IDFC FIRST Bank credit cards come with a range of offers spanning rewards, airport lounge access, movie ticket deals, and merchant discounts.
The rewards structure gives you up to 10X Reward Points on dining, travel, and international spends, redeemable across multiple options.
The offers page and the IDFC FIRST Bank Mobile App are the easiest ways to find, filter, and redeem current offers.

29 Aug 2026 by Team FinFIRST

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Credit cards are a practical way to earn value on everyday spending, but the benefits are only worth as much as you actually use. IDFC FIRST Bank credit cards come with a range of offers across rewards, travel, entertainment, and shopping. Here is how to find them and make the most of what your card has to offer.

Your guide to choosing the right credit card with no annual fee

Take a step to financial inclusion with an add-on credit card

How do you find the right card for your needs?

Start by comparing what different cards offer against how you actually spend. Look at features like airport lounge access, movie offers, reward rates, and merchant discounts, and weigh them against the joining fee, annual fee, and interest rate.

Here are a few options depending on what matters most to you:

Mayura Credit Card

Zero forex markup on international spends, 4 domestic and 4 international airport lounge visits per quarter, and trip cancellation covers up to ₹50,000 per year. Built for frequent international travelers.

Hello Cashback Credit Card

Up to 5% cashback on online spends, 1% on in-store swipes and UPI payments, 1% on utility, education, and insurance payments, and 3% cashback on eligible spends too. Zero joining fee with no income proof required.

FIRST Millennia Credit Card

Lifetime free with 10X Reward Points on dining, travel, and international spends from your first transaction, plus a monthly movie discount and railway lounge access.

FIRST Power+ Credit Card

Up to 6.5% savings on HPCL fuel spends, rewards on grocery and utility payments, and 1 complimentary domestic airport lounge visit per quarter.

Quantum+ Credit Card

Lifetime free and FD-backed with up to 2% cashback on online spends and 1% on UPI and in-store purchases. A simple starting point for first-time credit users.

Where can you find current credit card offers?

You can browse all active offers on the IDFC FIRST Bank offers page. Here is how to select and redeem an offer:

Filter offers by the category you are interested in

Check which cards are eligible for each offer

Confirm the validity period before you claim it

How do the rewards work?

Understanding your card's reward structure is one of the best ways to maximise value.

IDFC FIRST Bank credit cards offer up to 10X Reward Points on dining, travel, and international spends from the first transaction, and 3X on other everyday spends

Reward Points can be redeemed through the FIRST Rewards Gallery on the IDFC FIRST Bank Mobile App or by selecting Pay with Points at online checkout

A convenience fee of ₹99 plus GST applies per redemption

Using your card for everyday expenses and paying your bill in full and on time helps you accumulate points faster

Reward Points are valid for 24 months from the date they are credited

What other benefits come with the card?

Beyond rewards, IDFC FIRST Bank credit cards offer a range of lifestyle and travel benefits:

Airport lounge access on eligible cards, subject to applicable visit limits and spend conditions

Movie ticket offers, including Buy One Get One and percentage discounts depending on the card

Over 300 merchant offers across shopping, travel, and lifestyle categories

Fuel surcharge waivers on eligible cards

What payment options does IDFC FIRST Bank offer?

Managing your card is straightforward with multiple payment options, including internet banking, mobile banking, and auto-debit. Auto-debit in particular ensures your bill is paid automatically on the due date every month, so you never miss a payment.

Why should you read the terms and conditions?

Before making the most of any offer, it helps to understand the fine print. Know when interest begins to accrue, when your payment is due, and what conditions apply to each offer. Understanding these details helps you get the full value from your card without any surprises.

Making the most of your card

From Reward Points and lounge access to merchant offers and movie deals, your IDFC FIRST Bank credit card comes with plenty of ways to add value to your everyday spending. Staying updated on current offers through the offers page and the IDFC FIRST Bank Mobile App is the simplest way to ensure you never miss out.

Explore IDFC FIRST Bank Credit Cards and start making the most of every offer available to you.

Frequently Asked Questions

Where can I find the latest IDFC FIRST Bank credit card offers?

You can browse all active offers on the IDFC FIRST Bank offers page and through the IDFC FIRST Bank Mobile App. Both let you filter offers by category and check card eligibility.

How many Reward Points can I earn on an IDFC FIRST Bank credit card?

You can earn up to 10X Reward Points on dining, travel, and international spends from the first transaction, and 3X on other everyday spends, depending on your card. Points are valid for 24 months from the date they are credited.

How do I redeem my Reward Points?

Reward Points can be redeemed through the FIRST Rewards Gallery on the IDFC FIRST Bank Mobile App for products, vouchers, and travel bookings. A convenience fee of ₹99 plus GST applies per redemption.

Do IDFC FIRST Bank credit cards offer airport lounge access?

Yes. Several cards offer complimentary domestic and international airport lounge access, subject to applicable visit limits and spend conditions. The number of visits varies by card.

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.