Smart tips to maximise FIRST Wealth Credit Card reward points

What if your next trip could be paid without spending a single penny?

Sounds too good to be true? Not when you're using the FIRST Wealth Credit Card with top rewards.

With every swipe of your card, you earn points that can be redeemed for a wide variety of benefits. With the right strategy, you can unlock even more value from your everyday spending.

 Here's a look at the FIRST Wealth Credit Card benefits and how they can work for you.

FIRST Wealth Credit Card reward program
 

The FIRST Wealth Credit Card is designed to make every transaction more rewarding — literally. As one of the best cash rewards credit cards available today, it offers an accelerated rewards program that adds value to your everyday spending.

Each point carries a real cash value of ₹0.25, meaning your points actually count for something.

The icing on the cake is that these reward points do not expire, ever! That’s right — no ticking clock, no pressure to redeem. Whether you use them next month or next year, your points remain yours to enjoy.

Let’s break down the rewards program available under one of the best cash rewards credit cards.

1. Bonus rewards on travel
 

Love to travel? The FIRST Wealth Credit Card offers up to 60X reward points on travel bookings. Here’s what you get:

● Up to 50X bonus reward points on hotel bookings

● Up to 20X bonus reward points on flight bookings

These points are awarded over and above the base credit card reward program and you can redeem them instantly on flights, hotel bookings, and gift vouchers.

2. 10X reward points

If you spend more than ₹20,000 in a statement cycle, you can earn 10X reward points on each transaction after crossing the ₹ 20,000 milestone.

That’s not all! You can also earn 10X reward points on transactions done on your birthday.

The accelerated reward points are not available on the following transactions:

a. Fuel purchases

b. EMI conversions

c. Cash withdrawals

d. Government services

e. Rental and property management

f. Utility and insurance premium payment

g. Wallet recharge

h. Education

3. 3X reward points

You earn 3X reward points on transactions below ₹20,000 in a statement cycle. However, the following would not earn 3X reward points.

a. Fuel spends

b. EMI conversions

c. Cash withdrawals

4. 1X reward points
 

Payment of utility bills, such as gas connection, electricity, telephone, and insurance premiums, earns 1X reward points.

The following aren’t included in the program:

a. Fuel spends,

b. EMI conversions,

c. Cash withdrawals

Other benefits of the FIRST Wealth Credit Card
 

Besides accelerated reward points, the FIRST Wealth Credit Card also offers benefits like travel and lifestyle perks, insurance coverage, VISA Infinite privileges, etc.

Let’s understand these and other benefits of the FIRST Wealth Credit Card briefly:

How to maximise FIRST Wealth Credit Card reward points?
 

Now that you know the benefits of the FIRST Wealth Credit Card, let’s move on to the next part — how to maximise reward points.

Here are some smart strategies to help you make the most of this credit card with top rewards:

1. Align your spending to your credit card

Make the FIRST Wealth Credit Card your go-to payment method. Use it for everyday expenses like grocery shopping, dining out, movie ticket bookings, travel, etc.

Why?

Because you can earn up to 10X reward points when your monthly spending crosses ₹20,000.

2. Use the card for big-ticket purchases

Planning a vacation or buying a new appliance or a gadget?

Use the credit card for high-value purchases to enjoy two key benefits:

a. Access to instant credit

b. A chance to cross the ₹20,000 monthly threshold limit and unlock 10X reward points on all future transactions.

3. Convert purchases into easy EMIs

Any transaction over ₹2,500 can be converted into affordable EMIs with the FIRST Wealth Credit Card.

This conversion not only facilitates affordable payments, but it also helps you earn more reward points.

4. Link your card with UPI

You can link the credit card to UPI in a few clicks for seamless transactions. Plus, you can earn 3X reward points on UPI spends, which will also allow you to earn more points with every use.

5. Keep an eye out for limited-period offers

IDFC FIRST Bank frequently rolls out special promotions and bonus point campaigns. These offers can give you additional reward points on your transactions.

For instance, under the current offer, you can earn 20 bonus points for every ₹100 spent on hotels.

Keep an eye out for these offers and make the most of them.

Common mistakes to avoid
 

While smart usage of the credit card can help you earn attractive reward points, common mistakes might disrupt your well-laid plans. So, here’s a look at some of the common pitfalls to avoid when using your best rewards credit card:

1. Do not overspend just to earn more reward points. Use your credit card wisely and affordably
2. Do not hurry with reward redemption. Since reward points have no expiration date, redeem them wisely. For instance, if you are in a financial crunch in a specific month, you can redeem your points to pay off the credit card bill fully or partially
3. Do not ignore festive or promotional offers, it's the best time to maximise your credit card benefits

Spend smart and maximise your reward points
 

‘Winners don’t do different things, they do things differently. ’

The quote accurately sums up how smart usage of the FIRST Wealth Credit Card can help you unlock maximum reward points. From aligning your everyday spending to the card’s rewards program to avoiding overspending, small yet strategic moves can change the game.

Check your current reward point balance and look for opportunities to accumulate more points. Use the FIRST Wealth Credit Card and make every tap, swipe, or transaction count.