Credit Card Referral Program - Refer & Earn

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How it works?
Why refer?
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Refer Now

Refer Now

Earn rewards, share the benefits

Get cashback for referrals while your friends enjoy gift vouchers, EMI rewards, and card offers

What you get?

5% Cashback for every successful referral

Up to ₹2,000 cashback on metal cards

Up to ₹1,000 cashback on other cards

Exclusive credit card benefits

What your friends get?

₹500 gift voucher on spending ₹5,000 within 30 days issuance

5% cashback up to ₹1,000 on 1^st EMI transaction

300+ offers across top brands

Exclusive credit card benefits

How it works

Follow these three easy steps:

Share Your Link:

Click here to generate
a unique shareable referral link

Your Friend Applies:

Uses your referral link to apply for an IDFC FIRST Bank Credit Card

You Both Earn:

Once activated, you earn 5% cashback* and they enjoy exclusive perks!

*Calculated on your own card spends during the calendar month after the referral. For example, if you refer in June, your cashback is calculated on your July spends.

Why refer IDFC FIRST Bank Credit Cards?

Over 2 million customers trust IDFC FIRST Credit Cards for never-expiring rewards, convenience, and more

Get Instant Approval

Fast, hassle-free approval process-your friends can get started in minutes.

Never-Expiring Reward Points

Your friends can earn rewards that never expire, so they can redeem them anytime.

Rewards as Good as Cash

Use reward points directly on online and select offline transactions—just like cash.

All-Round Savings

Accelerated rewards on fuel, groceries, dining, utilities, and more.

UPI-Enabled Convenience

With the RuPay add-on, your friends can pay via UPI apps and earn up to 3X reward points.

Up to 10X Reward Points

Higher spends = higher rewards. Earn up to 10X points, including on birthdays.

Travel Lounge Access

Complimentary access to railway and airport lounges for comfortable travel.

Easy EMI Options

Convert spends over ₹2,500 into affordable EMIs—instantly and digitally.

Exclusive Offers

Access 1500+ merchant deals and 200+ dining offers across India.

Lower Interest Rates

Cards with interest rates starting at just 8.5% p.a.—among the lowest in the industry.

There’s a card for everyone you know

Whether your friends want a simple, feature-rich card for daily spends or premium Metal card that makes a statement, we have the perfect option. Refer today and unlock rewards for both of you.

Metal Range Fee-Based Lifetime Free

Premium Metal 1% Forex Fee

Ashva

Premium travel benefits with airport lounge and golf access

Refer Now Know more

Premium Metal 0 Forex Fee

Mayura

Luxury travel benefits with zero forex, airport lounge/spa access

Refer Now Know more

Fulfilment Period: Receive your referral benefit within 60 days from referee card generation

Referral Limit: 5 in a lifetime

Eligible Cards: All IDFC FIRST Bank’s credit cards, except business, LIC, and Club Vistara Credit Cards, are eligible for cashback on successful referrals.

Frequently Asked Questions

All

Referral Program Basics

Benefits

Eligibility

How it works

Which card variants am I eligible to refer?

You can refer any credit card offered by the bank. For lifetime-free credit cards, the specific variant offered to the referee will be determined by their eligibility and the internal policies of the bank. Please note that it may not always be the same as the card you referred.

How many referrals can I do?

There is no limit on the number of referrals that one can do. However, first 5 successful referrals where card is generated, will be eligible for bonus cashback.

What is referral program?

IDFC FIRST Bank Credit Card customers can now refer their friends and family to apply for select IDFC FIRST Credit Cards and earn up to ₹1000 cashback for every successful referral.

Here’s how it works

You earn 5% cashback on your credit card spends made within 30 days from the date your friend’s card is issued.

The cashback is capped at ₹1000 when your friend applies for a regular credit card and will be credited within 60 days of successful card creation.

You can refer up to 5 friends in total.

Note:- The referred friend (referee) does not receive any reward under the current program.

How much cashback can I earn?

You can earn cashback of up to ₹1000 (₹2000 for Metal credit cards) for each successful referral of a credit card. This cashback is calculated as 5% of your own card spends made during the calendar month following the successful referral. For example, if you refer in June, your spends in July will be considered for cashback.

Do I need to have an existing IDFC FIRST Bank Credit Card to be eligible for referral cashback?

Yes, to be eligible to refer others and earn cashback under this program, you must already hold an IDFC FIRST Bank Credit Card.

How can I refer an IDFC FIRST Bank Credit Card to someone?

Here are the steps to Refer and Earn! -

Enter your mobile number registered with IDFC FIRST Bank

Get your referral link

Share it with friends

When your friend gets the card, start spending to earn your cashback!

Important Documents

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Card Member Agreement

Credit Card
Basics

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IDFC FIRST Bank Mobile App

Drop a ‘Hi 👋’ on 9555 555 555

Call us on 1800 10 888

Locate our nearby

Refer. Share. Earn 5% Cashback

Earn rewards

How it works?

Why refer?

Eligible Cards

FAQs

Earn rewards, share the benefits

How it works

Why refer IDFC FIRST Bank Credit Cards?

Get Instant Approval

Never-Expiring Reward Points

Rewards as Good as Cash

All-Round Savings

UPI-Enabled Convenience

Up to 10X Reward Points

Travel Lounge Access

Easy EMI Options

Exclusive Offers

Lower Interest Rates

There’s a card for everyone you know

Ashva

Mayura

FIRST SWYP

FIRST Power & FIRST Power +

FIRST Classic

FIRST Millennia

FIRST Select

FIRST Wealth

FIRST WOW!

Frequently Asked Questions

Which card variants am I eligible to refer?

How many referrals can I do?

What is referral program?

How much cashback can I earn?

Do I need to have an existing IDFC FIRST Bank Credit Card to be eligible for referral cashback?

How can I refer an IDFC FIRST Bank Credit Card to someone?

Get in touch with us

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CUSTOMER FRIENDLY BANK

Refer. Share.
Earn 5% Cashback