IDFC First Bank Credit Card Reward Points

Using an IDFC FIRST Bank credit card allows you to maximise the value of every transaction through its rewarding points program. Each purchase brings you closer to exciting rewards, whether for travel, shopping, or dining. Understanding how to redeem these points effectively helps you make smarter financial decisions and enjoy valuable benefits. IDFC FIRST Bank makes it easy to turn your spending into rewards that matter most to you.

Earning reward points with your IDFC FIRST Bank credit card is simple, and there are many ways to maximise your rewards. Here's how the process works and how you can accumulate points efficiently:

Earning Reward Points

• For every ₹100 spent, you earn reward points with your IDFC FIRST Bank credit card

• Each reward point equals ₹0.25, so four points equal ₹1

• The more you spend, the more points you accumulate, which can be redeemed for valuable rewards

Maximising Your Rewards

• Certain categories of spending, like online shopping, dining, and fuel, earn you more points

• High-reward categories allow you to accumulate points faster, making your everyday spending more beneficial

• Special promotions, sales events, and tie-ups with selected merchants may offer bonus points, so keep an eye on those opportunities

Tracking Your Points

1. To track your reward points, log into your IDFC FIRST Bank Internet Banking account or mobile app

2. Navigate to the ‘Credit Cards’ section, select your card, and check your reward points balance

3. Points shown as ‘earned in the current period’ can only be redeemed after your statement is generated

Post-Redemption Process

• After completing the transaction, you will receive an email and SMS with the voucher details

• Use the voucher on the respective brand's platform by entering the provided voucher code at checkout

Here’s how you can easily check your IDFC FIRST Bank credit card reward points balance:

1. Log in to your IDFC FIRST Bank Internet Banking account or mobile banking app.

2. Click on the ‘Credit Cards’ section and select your specific credit card from the list.

3. On the credit card summary page, click on “See more about rewards.”

4. View your available reward points, which are redeemable at that moment.

5. You can also check the points “earned in current period,” which can only be redeemed after your statement is generated.

IDFC FIRST Bank allows you to convert reward points into air miles with the IndiGo Credit Card, earning IndiGo BluChips for every purchase you make. Here’s how you can make the most of this feature:

• Earn IndiGo BluChips: With the IDFC FIRST Bank IndiGo Credit Card, you accumulate BluChips as you make purchases
• Redeem BluChips for Flights: Use your earned BluChips to book domestic and international flights with IndiGo, giving you more flexibility when planning your travels
• No Blackout Dates: One of the major benefits is that there are no blackout date restrictions, meaning you can redeem your BluChips for flights at any time
• Flexible Payment Options: Use a mix of your credit card and BluChips to pay for flights, making it a convenient and cost-effective way to manage your booking
• Seamless Redemption: Redeeming your IndiGo BluChips is easy and can be done directly through the IndiGo website or mobile app, making flight bookings a hassle-free experience

To make the most of your IDFC FIRST Bank credit card reward points, it’s important to know which transactions are not eligible for earning rewards:

• Fuel and insurance purchases are not eligible for reward points under the IDFC FIRST Bank credit card rewards program

• EMI transactions do not qualify for earning reward points

• ATM cash withdrawals are excluded from the rewards program

• Rental and property management transactions do not count towards the minimum spend required for 10X reward points

Here are some practical tips to help you maximise your IDFC FIRST Bank credit card reward points and make the most of every transaction:

Focus on Reward Categories

Maximise points by using your card for purchases in high-reward categories like online shopping, dining, and travel.

Take Advantage of Promotional Offers

Keep an eye on special offers and promotions to earn bonus points on select purchases or during festive seasons.

Use Your Card for Big Purchases

Make larger purchases using your credit card, as they can help you earn more points, especially when you surpass spend thresholds for bonus rewards.

Pay Bills with Your Card

Use your IDFC FIRST Bank credit card to pay recurring bills such as utilities or insurance premiums to accumulate points consistently.

Redeem Points Regularly

Track your reward points and redeem them promptly to avoid expiration and maximise the value you get from your rewards.

Combine Points with Special Deals

Take advantage of gift card and voucher redemption offers, which often provide additional value when combined with your earned points.

Use for Travel Bookings

Book flights, hotels, or holiday packages through the rewards portal to earn points while making travel arrangements, enhancing your rewards.

IDFC FIRST Bank’s credit card reward points offer a significant advantage, as they never expire. This means you can accumulate points over time without worrying about losing them, giving you the freedom to redeem them whenever it suits you. Whether you want to save your points for a big purchase, a special occasion, or travel plans, you can rest assured that your points will remain valid for as long as you wish. This flexibility allows you to make the most of your rewards without the pressure of an expiry date.