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How to Redeem IDFC FIRST Bank credit card reward points

Key Takeaways

Learn how to redeem your IDFC FIRST Bank credit card reward points.
Understand how much each reward point is worth and where it gives you the highest value.
Discover how to use your points for vouchers, flights, hotels, and merchandise.
Know what to expect before you redeem, fees, limits, and how the process works.

23 Apr 2026 by IDFC FIRST Bank

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Most people think redeeming credit card reward points is a complicated process. With IDFC FIRST Bank, it is simpler than you think.

You can redeem your IDFC FIRST Bank credit card reward points to pay at checkout, get gift vouchers, book flights and hotels, or shop for merchandise, all through the FIRST Rewards Gallery on the IDFC FIRST Bank mobile banking app. Since most IDFC FIRST Bank Credit Card Reward Points never expire, you can redeem them whenever it suits you.

This guide walks you through how to redeem your IDFC FIRST Bank credit card reward points, so you can make the most of what you have already earned.

What Are IDFC FIRST Bank Credit Card Reward Points?

IDFC FIRST Bank credit card reward points are points you earn every time you use your credit card for eligible purchases. Think of them as a running balance of value that builds up with every swipe, tap, or online transaction.

You can redeem these credit card reward points in multiple ways. Use them for instant discounts on transactions, gift vouchers, flights and hotel bookings, or merchandise.

How Much Is Each IDFC FIRST Bank Credit Card Reward Point Worth?

For most IDFC FIRST Bank Credit Cards, 1 reward point is worth ₹0.25. That means 100 points give you ₹25 in value, and 1,000 points give you ₹250.

If you hold a premium card variant, your points can be worth significantly more when you redeem credit card reward points for travel bookings through the FIRST Rewards Gallery. Premium cardholders on select variants can get up to ₹1 per point on flights and hotel bookings, which is four times the standard rate.

Take Rahul for example. He has 10,000 reward points on his IDFC FIRST Bank Credit Card. If he redeems them for a gift voucher, he gets ₹2,500 in value. But if he holds a premium card like the Gaj: Credit Card and books a flight through the FIRST Rewards Gallery, those same 10,000 points would be worth ₹10,000. Same points, very different outcome.

So, before you redeem, it is worth knowing which option gives you the best return on your IDFC FIRST Bank credit card reward points.

Ways to Redeem Your IDFC FIRST Bank Credit Card Reward Points

There are two main ways to redeem your IDFC FIRST Bank credit card reward points:

You can either use them directly at the time of payment.

Access the FIRST Rewards Gallery on the mobile banking app to unlock a wider range of redemption options.

Let’s look at all the ways in detail.

1. Pay with Rewards at Checkout

This is the most straightforward way to redeem your IDFC FIRST Bank credit card reward points. It works at most online merchants and at supported POS terminals, with no advance planning needed.

Here is how to redeem when paying at checkout:

Step 1: While making a payment online or at a supported merchant POS terminal, select Pay with Rewards.
Step 2: Validate the transaction using a one-time password (OTP).
Step 3: Your reward points are instantly applied to the transaction.

It is the right option when you want instant savings on the spot without going through a separate platform.

2. Redeem via the FIRST Rewards Gallery

The FIRST Rewards Gallery is IDFC FIRST Bank's exclusive rewards platform, available on the mobile banking app. This is where you go when you want to redeem your credit card reward points for a wider range of options, from gift vouchers to travel bookings to merchandise.

Here is how to redeem via mobile:

Step 1: Log in to the IDFC FIRST Bank mobile banking app.

Step 2: Go to the Credit Cards section and select your card.

Step 3: Tap on Rewards to open the FIRST Rewards Gallery.

Step 4: Choose your redemption category: gift vouchers, travel, or merchandise.

Step 5: Select your item and proceed with points as full or partial payment.

https://www.idfcfirst.bank.in/rewards

What can you redeem with your IDFC FIRST Bank Credit Card reward points?

Gift Vouchers

Through the FIRST Rewards Gallery, you can use your IDFC FIRST Bank credit card reward points to buy gift vouchers from popular brands across shopping, dining, entertainment, and more.The best part is that up to 100% of the voucher value can be paid using reward points.This makes gift vouchers one of the most flexible ways to redeem credit card reward points, especially for everyday use.

Flight and Hotel Bookings

If you are planning a trip, you can redeem your IDFC FIRST Bank credit card reward points towards flight and hotel bookings through the FIRST Rewards Gallery.

Up to 70% of the flight or hotel booking value can be paid using reward points

The remaining amount is charged to your credit card

Available for both domestic and international bookings

If you hold one of the following premium card variants, your credit card reward points are worth significantly more on flight and hotel bookings through the FIRST Rewards Gallery:

Ashva (₹0.40 per point)

FIRST WOW! Black (₹0.50 per point)

Mayura (₹0.50 per point)

Gaj (₹1 per point)

FIRST Private (₹1 per point)

These cardholders get enhanced reward point value of up to ₹1 per point when redeeming credit card reward points for flights or hotels at the FIRST Rewards Gallery. That is four times the standard rate of ₹0.25 per point.

Merchandise

The FIRST Rewards Gallery also lets you redeem your credit card reward points for merchandise, including gadgets, appliances, and lifestyle products.

Up to 70% of the product cost can be paid with reward points

The remaining amount can be paid via your credit card

It is a practical way to convert accumulated IDFC FIRST Bank credit card reward points into something tangible.

A Few Things to Know Before You Redeem

Before you redeem your IDFC FIRST Bank credit card reward points, keep these in mind:

A redemption fee of ₹99 + GST applies on reward point redemptions

Discount coupons and promotional vouchers can still be used alongside reward points, so you do not have to choose between the two

If you are making purchases through the FIRST Rewards Gallery and want to earn points on those transactions, check the applicable earn limits before you buy

Your IDFC FIRST Bank credit card reward points never expire, so there is no need to redeem in a hurry if you have not found the right option yet

How to Earn IDFC FIRST Bank Credit Card Reward Points Faster?

Redeeming your credit card reward points smartly starts with earning them efficiently. Here are the ways to build up your points balance faster.

Everyday Spending

You earn reward points on all IDFC FIRST Bank Credit Card spends above ₹200. Note that certain categories are excluded, such as fuel transactions and balance transfers. Check your card's specific terms for the full list of exclusions.

Accelerated Rewards on Spend Thresholds

Depending on your IDFC FIRST Bank Credit Card variant, crossing specified spending milestones can unlock accelerated reward points. This means the more you spend in a month, the faster your points accumulate.

Shopping and Travel via the FIRST Rewards Gallery

Transactions made directly on the FIRST Rewards Gallery earn bonus reward points over and above your regular earn rate. Travel bookings on FIRST Rewards Gallery made with full card payments can earn up to 50X Bonus Reward Points, making it especially powerful for frequent travellers and those planning big purchases. Similarly, you can earn up to 40 Bonus Reward Points for every ₹100 spent on merchandise with full card transactions.

Frequently Asked Questions

Can I use my IDFC FIRST Bank reward points to pay at checkout?

Yes, you can redeem your IDFC FIRST Bank credit card reward points at supported online merchants and POS terminals by selecting Pay with Rewards at checkout. Each point is worth ₹0.25, and the transaction is validated with an OTP.

Can I redeem credit card reward points entirely for a gift voucher?

Yes, up to 100% of a gift voucher value can be paid using IDFC FIRST Bank credit card reward points through the FIRST Rewards Gallery. No cash payment is required if you have enough points.

Can I redeem my IDFC FIRST Bank credit card reward points to book flights?

Yes, you can redeem your IDFC FIRST Bank credit card reward points for flights through the FIRST Rewards Gallery on the mobile banking app. Up to 70% of the booking value can be paid with points, and the rest is charged to your credit card.

Which IDFC FIRST Bank credit cards earn reward points?

Most IDFC FIRST Bank Credit Cards earn reward points on eligible purchases above ₹200. Points are not earned on certain categories like fuel transactions and balance transfers. Check your card's specific terms for the full list.

Which IDFC FIRST Bank cards give the best value when redeeming credit card reward points for travel?

Premium card variants including FIRST WOW! Black, Ashva, Mayura, Gaj, and FIRST Private offer enhanced reward point value on travel bookings through the FIRST Rewards Gallery, up to ₹1 per point compared to the standard ₹0.25.

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.