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IDFC Credit Card Reward Points

IDFC primarily has 4 credit cards that offer great benefits and features. All the credit cards come with an attractive reward program. Let us discuss IDFC credit card reward points in detail.

About IDFC Credit Card Reward Points

Types of IDFC Credit Cards
IDFC Credit Card Reward Points
Step-by-step Process to view your IDFC Credit Card Reward Points
Step-by-step process to redeem your IDFC Credit Card Reward Points
Post-Reward Redemption Process
Reward Points Redemption partners
IDFC Millennia Credit Card
IDFC First Classic Credit Card
IDFC First Select Credit Card
IDFC First Wealth Credit Card
Eligibility Criteria for Application to IDFC First Credit Cards
Documents Needed for Application to IDFC First Credit Cards
Application Process for IDFC First Credit cards
FAQs of IDFC Credit Card Reward Points

Types of IDFC Credit Cards

1. IDFC First Millennia Credit Card

2. IDFC First Classic Credit Card

3. IDFC First Select Credit Card

4. IDFC First Wealth Credit Card

IDFC Credit Card Reward Points

Below is a summary of the reward program for IDFC credit cards along with redemption fee and exceptions.

Credit Card	IDFC Rewards	Accelerated Reward program	Validity	Reward valuation	Fee on reward redemption	Reward Exceptions
IDFC First Millennia Credit Card	6X reward points on online spending up to Rs. 20,000. 3X reward points on offline purchases up to Rs. 20,000	10X reward points on spending more than Rs.20,000 per month and as a special reward on your birthday	Lifetime validity	1 reward point for every Rs. 150 spent, 1 reward point equals Rs.0.25	Rs.99	Insurance, fuel, cash withdrawals, and EMI transactions, 10X reward program doesn't include spending on rental and property management transactions
IDFC First Classic Credit Card	6X reward points on online spending up to Rs. 20,000. 3X reward points on offline purchases up to Rs. 20,000	10X reward points on spending more than Rs.20,000 per month and as a special reward on your birthday	Lifetime validity	1 reward point for every Rs. 150 spent, 1 reward point equals Rs.0.25	Rs.99	Insurance, fuel, cash withdrawals, and EMI transactions, 10X reward program doesn't include spending on rental and property management transactions
IDFC First Select Credit Card	6X reward points on online spending up to Rs. 20,000.3X reward points on offline purchases up to Rs. 20,000	10X reward points on spending more than Rs.20,000 per month and as a special reward on your birthday	Lifetime validity	1 reward point for every Rs. 150 spent, 1 reward point equals Rs.0.25	Rs.99	Insurance, fuel, cash withdrawals, and EMI transactions, 10X reward program doesn't include spending on rental and property management transactions.
IDFC First Wealth Credit Card	6X reward points on online spending up to Rs. 20,000.3X reward points on offline purchases up to Rs. 20,000	10X reward points on spending more than Rs.20,000 per month and as a special reward on your birthday	Lifetime validity	1 reward point for every Rs. 150 spent, 1 reward point equals Rs.0.25	Rs.99	Insurance, fuel, cash withdrawals, and EMI transactions, 10X reward program doesn't include spending on rental and property management transactions

Step-by-step Process to view your IDFC Credit Card Reward Points

Below is a step-by-step guide to viewing your IDFC credit card reward points –

1. Log in to IDFC’s official website and your IDFC FIRST Internet Banking account.

2. From the main menu, click on “HAVE”.

3. From the sub-menu, click on “CARDS”. Then, select the credit card you have.

4. Look for “Available Reward Points” on the credit card summary page. Then, you can view the points “earned in the current billing cycle”. These points are available for viewing but can be redeemed only after the statement is generated.

Step-by-step process to redeem your IDFC Credit Card Reward Points

The IDFC Credit Card Reward Points can be redeemed in the form of vouchers for many e-commerce platforms and brands. Below is a step-by-step guide to redeem the points-

1. Log in to IDFC FIRST Bank’s official website.

2. Go to the reward redemption portal and log in with your registered mobile number.

3. After logging in, you should be able to see the reward points. Click on “Redeem Points” to redeem your points.

4. You will see a lot of brands that you can choose to redeem your points. Examples include Amazon, Myntra, Flipkart, Puma, etc.

5. Each voucher has a minimum purchase amount. For e.g., an Amazon voucher can be converted to a minimum amount of Rs.10 voucher, a maximum of up to Rs.10,000.

6. After selecting the gift voucher, click on “Add to Cart”

7. Select the value of the voucher along with the number of vouchers you would like to purchase.

8. You should be able to see the summary in your cart.

9. Then, click on “Proceed to Checkout”.

10. Enter the delivery details of the voucher.

11. Click on “Confirm and Proceed” and enter the delivery details for your voucher.

Post-Reward Redemption Process

Once the transaction is completed, you will receive an SMS and email with the details of the voucher. These vouchers can be redeemed on the online platform in the same way as any other voucher. In most cases, you can just enter the voucher code to avail of the offer.

You can also redeem your points via the Poshvine reward portal. IDFC FIRST Bank’s mobile banking application can also be used to redeem the rewards.

Reward Points Redemption partners

Shopping	Myntra, Pepperfry, Samsung, Ajio, Ferns and Petals, Decathlon, Biba, Levis, Zivame, Colorbar, Metro Shoes, Lenovo, House of Masaba, Clarks, Hugo Boss, Under Armor, Tata CLIQ, Crocs, Lifestyle, Titan, The Raymond Shop, etc.
Health and Wellness	MediBuddy, NetMeds, Arata, Lybrate, Fitternity, VLCC, TATA 1 mg, PharmEasy, Cult.fit, The Man Company, Khadi Naturals, mcaffeine, Myprotein, Healthkart, Fitterfly, Shyft, Wow Skin Sciences, Truebasics, Toothsi, Kapiva, Body Cupid, etc.
Small Business	Printvenue.com, Matrix (SIM cards), Matrix (travel insurance), The Executive centre, Skyroam, BigRock, Google Ads, Freshworks, WebEngage, Adaface, Dropbox, Coworker, Regus, Shopify, Zegal, Wishpond, Taj Experiences, etc.
Dining	Swiggy, Mandarin Oak, Faasos, The Good Bowl, Behrouz Biryani, Lunch Box, Mcdelivery, Oven Story Pizza, Freshmenu, Mojo Pizza, Zomato, Dominos, Swiggy Instamart, Just dabao, Itminaan Biryani, Mealful Rolls, Box 8, Eat Club, etc.
Travel	Yatra, Zingbus, Travelyaari, Urban Drive, Agoda, Booking.com, Rapido, Rental Cars, EaseMyTrip.com, Hype, Imagica, Vista Rooms, Club Mahindra, Avis India, KidZania, Musafir, Holiday of Dreams, etc.
Entertainment	Bloomberg Quint, Eros Now, The Wall Street Journal, Tata Play, Gaana Plus, Hindustan Times, Live Hindustan, Live Mint, TOI+, Yourstory Club, OTT Play
Education	Eduonix, Top Rankers, Whizlabs, edX, Vedantu, Edureka, upGrad, Coursera, Codingal, Simplilearn

IDFC Millennia Credit Card

Designed for the millennial generation and lifestyle, the IDFC Millenia credit card is a lifetime-free credit card that comes with great offers and a reward program.

Key highlights of IDFC First Millennia Credit Card

Lifetime-free credit card with no joining/annual fees
Welcome voucher worth Rs. 500 upon spends of Rs. 15,000 within the first 90 days
25% discounts on movie tickets on the Paytm application
1% fuel surcharge waiver, maximum up to Rs. 200 per month.
20% discount at 1500+ partner restaurants
15% discount at 3000+ health and wellness outlets
Offers at 300+ partner merchants
Personal accident cover of Rs. 2,00,000.
Lost card liability cover of up to Rs. 25,000.
Get complimentary roadside assistance worth Rs. 1,399.

IDFC Millennia Credit Card Rewards Program

Earn 10X reward points on spending more than Rs. 20,000 per month and on your birthday.
6X reward points on online purchases for spending up to Rs. 20,000.
3X reward points on offline purchases for spending up to Rs. 20,000.
Lifetime validity for the reward points. There is no expiry date.
Reward points can be redeemed against online and offline purchases too.
Get 1 reward point for every Rs. 150 spent and 1 reward point equals Rs. 0.25.
The reward program isn’t applicable for spends on insurance, fuel, cash withdrawals, and EMI transactions.
The 10x reward program doesn’t include spending on rental and property management transactions. Such transactions earn 3X reward points.
A convenience fee of Rs.99 is levied on the redemption of reward points.

IDFC First Classic Credit Card

IDFC First Classic Credit Card is for those who seek great value from their expenses. This card offers great rewards and is a lifetime-free credit card.

Key highlights of IDFC Classic Credit Card

Lifetime-free credit card with no joining/annual fees
Welcome voucher worth Rs. 500 upon spends of Rs. 15,000 within the first 90 days
25% discounts on movie tickets on the Paytm application
Get complimentary roadside assistance worth Rs. 1,399.
1% fuel surcharge waiver, maximum up to Rs. 200 per month.
20% discount at 1500+ partner restaurants
15% discount at 3000+ health and wellness outlets
Offers at 300+ partner merchants
Personal accident cover of Rs. 2,00,000.
Get 4 complimentary visits to the railway lounge, per quarter.
Lost card liability cover of up to Rs. 25,000.

IDFC First Classic Credit Card Rewards Program

Earn 10X reward points on spending more than Rs. 20,000 per month and on your birthday.
6X reward points on online purchases for spending up to Rs. 20,000.
3X reward points on offline purchases for spending up to Rs. 20,000.
Lifetime validity for the reward points. There is no expiry date.
Reward points can be redeemed against online and offline purchases too.
Get 1 reward point for every Rs. 150 spent and 1 reward point equals Rs. 0.25.
The reward program isn’t applicable for spends on insurance, fuel, cash withdrawals, and EMI transactions.
The 10x reward program doesn’t include spending on rental and property management transactions. Such transactions earn 3X reward points.
A convenience fee of Rs.99 is levied on the redemption of reward points.

IDFC First Select Credit Card

IDFC First Select Credit Card comes with premium features for a select few. It is a lifetime-free premium credit card with great travel perks, low-interest rates, and round-the-year offers.

Key highlights of IDFC First Select Credit Card

Lifetime-free credit card with no annual fee.
Welcome voucher worth Rs. 500 upon spends of Rs. 15,000 within the first 90 days
“Buy one, get one” on movie tickets on the Paytm application, maximum up to Rs. 250.
Get complimentary roadside assistance worth Rs. 1,399.
1% fuel surcharge waiver, maximum up to Rs. 300 per month.
20% discount at 1500+ partner restaurants
15% discount at 3000+ health and wellness outlets
Offers at 300+ partner merchants
Personal accident cover of Rs. 5,00,000.
Get 4 complimentary visits to the railway lounge, per quarter.
Get 4 complimentary visits to the domestic airport lounge, per quarter.
Lost card liability cover of up to Rs. 50,000.
Comprehensive travel insurance cover of Rs. 22,500
Get air accident cover up to Rs.1 crore.

IDFC First Select Credit Card Rewards Program

Earn 10X reward points on spending more than Rs. 25,000 per month and on your birthday.
6X reward points on online purchases for spending up to Rs. 25,000.
3X reward points on offline purchases for spending up to Rs. 25,000.
Lifetime validity for the reward points. There is no expiry date.
Reward points can be redeemed against online and offline purchases too.
Get 1 reward point for every Rs. 125 spent and 1 reward point equals Rs. 0.25.
The reward program isn’t applicable for spends on insurance, fuel, cash withdrawals, and EMI transactions.
The 10x reward program doesn’t include spending on rental and property management transactions. Such transactions earn 3X reward points.
A convenience fee of Rs.99 is levied on the redemption of reward points.

IDFC First Wealth Credit Card

IDFC Wealth Credit Card is an exclusive lifetime-free credit card with attractive rewards, and exclusive lifestyle and travel benefits.

Key highlights of IDFC Wealth Credit Card

Lifetime-free credit card with no annual fee.
Welcome voucher worth Rs. 500 upon spends of Rs. 15,000 within the first 90 days
“Buy one, get one” on movie tickets on the Paytm application, maximum up to Rs. 500.
Get complimentary roadside assistance worth Rs. 1,399.
1% fuel surcharge waiver, maximum up to Rs. 400 per month.
20% discount at 1500+ partner restaurants
15% discount at 3000+ health and wellness outlets
Offers at 300+ partner merchants
Personal accident cover of Rs. 10,00,000.
Get 4 complimentary visits to the railway lounge, per quarter.
Get 4 complimentary visits to the domestic /international airport lounge/spa, per quarter.
Lost card liability cover of up to Rs. 50,000.
Comprehensive travel insurance cover of Rs. USD 1200.
Get air accident cover up to Rs.1 crore.
Get 2 complimentary golf rounds per month.

IDFC Wealth Credit Card Rewards Program

Earn 10X reward points on spending more than Rs. 30,000 per month and on your birthday.
6X reward points on online purchases for spending up to Rs. 30,000.
3X reward points on offline purchases for spending up to Rs. 30,000.
Lifetime validity for the reward points. There is no expiry date.
Reward points can be redeemed against online and offline purchases too.
Get 1 reward point for every Rs. 100 spent and 1 reward point equals Rs. 0.25.
The reward program isn’t applicable for spends on insurance, fuel, cash withdrawals, and EMI transactions.
The 10x reward program doesn’t include spending on rental and property management transactions. Such transactions earn 3X reward points.
A convenience fee of Rs.99 is levied on the redemption of reward points.

Eligibility Criteria for Application to IDFC First Credit Cards

1. Age – Minimum 21 years

2. Residency status – Applicant should be a resident of India with a current and permanent residential address.

3. Locations – IDFC maintains a list of cities where sourcing is allowed.

4. Credit Score and Credit History – Good credit score and no history of defaults.

5. Income level – Minimum Rs. 25,000 per month.

Documents Needed for Application to IDFC First Credit Cards

Identity proof – Passport/Aadhaar card/Driving License

Address proof – Passport/Voter ID/Ration card/Bank statement/Rental agreement

Income proof – Form 16/Salary statement/IT returns

Application Process for IDFC First Credit cards

Apply for IDFC First Credit card via CreditMantri –

1. Click on “Check Eligibility”

2. Enter details like Email ID, Mobile Number, Residence city, Employment type, Residence Pincode

3. Click on “Submit”

4. Enter the OTP received on the registered mobile number.

5. Proceed with the rest of the application and you will be done in a few minutes.

Apply for IDFC First Credit Card on the bank website –

You can apply for the credit card via the bank’s official website

1. Click on “Apply now”

2. Enter details like Name, Date of Birth, and Mobile number

3. Click on “Get OTP”

4. Input the OTP and proceed to complete the application

Apply for IDFC First Credit Card offline

You could also apply for a Idfc credit card by calling their customer care number 1860 500 1111.

FAQs of IDFC Credit Card Reward Points

1. Do I have to pay a joining or annual fee for IDFC First credit cards?

This is a lifetime free credit card and there is no joining/annual fee.

2. Is there an expiry date for the reward points?

No, the reward points do not expire and can be used anytime.

3. What claims are covered in the travel insurance cover?

You can claim the loss of your passport, check-in baggage, and other documents under the travel insurance cover. It will also cover the delay in delivery of check-in baggage and flight delays.

4. Is there a fee for the redemption of reward points?

You do have to pay Rs. 99 as a convenience fee to redeem the reward points.

5. Can you redeem the reward points on fuel, EMI transactions, cash withdrawals, and insurance?

No, you cannot.