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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Rewards Credit Cards

Experience more value with every swipe

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Understanding Rewards Credit Cards: A Quick Overview

IDFC FIRST Bank Credit Card offer a strong rewards program, designed to make every transaction more rewarding. Whether you are shopping, dining, travelling, or paying utility bills, you earn valuable reward points that can be redeemed for a wide range of benefits.

A standout feature of IDFC FIRST Bank Credit Card is that your reward points never expire. What’s more, they are as good as cash! You can use them to pay for your purchases instantly at both online and physical stores with a single click.

These credit cards offer an excellent mix of privileges, including exclusive discounts, cashback, and premium lifestyle perks. With transparent policies, no hidden charges, and attractive redemption options, IDFC FIRST Bank Reward Credit Card help you maximise your savings while enjoying a seamless and rewarding banking experience.

Explore our Reward Credit Cards

Ashva Credit Card

Ashva Credit Card

Add a touch of enchantment to everyday adventures.

  • Get 5X rewards on spending below ₹20,000 in a billing cycle and 10X rewards on spending above ₹20,000 and on birthdays
  • Enjoy 4 complimentary visits to airport lounges/spas in India and 2 complimentary visits to overseas airport lounges every quarter
  • Avail a “Buy One, Get One” offer on movie tickets, with up to ₹400 off on the second ticket. The benefit can be availed twice in a calendar month
Apply Now Know More
Mayura Credit Card

Mayura Credit Card

Make everyday a celebration of life’s finest pleasures.

  • Get 5X rewards on spending below ₹20,000 in a billing cycle and 10X rewards on spending above ₹20,000 and on birthdays
  • Enjoy zero forex markup on all international transactions
  • Avail a “Buy One, Get One” offer on movie tickets, with up to ₹500 off on the second ticket. The benefit can be availed twice in a calendar month
  • Enjoy 4 complimentary visits to international airport lounges and 4 complimentary visits to domestic airports/spas, along with 1 guest visit to domestic airport lounges every quarter
Apply Now Know More
FIRST Millennia Credit Card

FIRST Millennia Credit Card

Do more of what you love.

  • Enjoy up to 10X never-expiring rewards on incremental spending of ₹20,000 or more in a statement cycle
  • Earn 3X never-expiring rewards on spending up to ₹20,000 in a billing cycle and 1X reward on other transactions like insurance premium payments and utility bills
  • Enjoy 4 complimentary railway lounge visits across India every quarter*
  • Get 25% off up to ₹100 on movie tickets booked via the District app by Zomato every month
  • Avail fuel surcharge waiver of 1%*, up to ₹200, every month at fuel stations across India
Apply Now Know More
FIRST Classic Credit Card

FIRST Classic Credit Card

Elevate everyday experiences.

  • Enjoy up to 10X never-expiring rewards on incremental spending of ₹20,000 or more in a statement cycle
  • Earn 3X never-expiring rewards on spending up to ₹20,000 in a billing cycle and 1X reward on other transactions like insurance premium payments and utility bills
  • Get a 25% discount on movie tickets, up to ₹100, on the District app by Zomato (valid once per month).
  • Travel comfortably with complimentary access to railway lounges, four times a quarter
  • Enjoy interest-free cash withdrawals for up to 45 days
Apply Now Know More
FIRST Select Credit Card

FIRST Select Credit Card

A perfect card to celebrate every milestone.

  • Enjoy up to 10X never-expiring rewards on incremental spending of ₹20,000 or more in a statement cycle
  • Earn 3X never-expiring rewards on spending up to ₹20,000 in a billing cycle and 1X reward on other transactions like insurance premium payments and utility bills
  • Enjoy 2 complimentary visits to domestic airport lounges every quarter
  • Enjoy blockbuster experiences using the 'Buy One, Get One' discount, up to ₹125, on the District by Zomato mobile app (valid twice per month)
  • Make every purchase sweeter with 300+ brand offers across dining, shopping, travel and more, all year long
Apply Now Know More

Eligibility Criteria & Documents to Apply for Reward Credit Cards

Age: 21 years and above

Income: A stable source of income (salaried or self-employed). The specific requirement may vary by card.

Credit Score: A good credit score as per the bank’s policies.

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Documents required

  • Identity Proof: Aadhaar Card, PAN Card, or Passport
  • Address Proof: Utility Bill or Aadhaar
  • Income Proof: Salary Slips, Bank Statement, or Form 16

Features and Benefits of Reward Credit Cards

Earn on Every Spend

Get rewarded on every transaction, including shopping, dining, travel, and utility bill payments.

Flexible Redemption

Redeem your points for travel bookings, shopping vouchers, cashback, or use them to pay directly for your purchases.

Never-Expiring Rewards

Enjoy the freedom of unlimited validity on your earned points, allowing you to use them whenever you wish.

Exclusive Lifestyle Benefits

Get access to exclusive discounts on premium brands, dining, and entertainment.

Travel Perks

Enjoy complimentary lounge access and other travel-related discounts, perfect for frequent travellers.

FAQs

What is a rewards credit card?

A rewards credit card allows you to earn points on your purchases, which can be redeemed for travel, shopping, cashback, or other exclusive benefits. IDFC FIRST Bank enhances this experience with a never-expiring rewards program, allowing you to redeem your points anytime for instant discounts.

Is a rewards credit card better than a normal credit card?

Yes, a rewards credit card is highly beneficial if you frequently spend on categories that earn high reward points, making it more valuable than a standard credit card that doesn't offer a rewards program.

Do rewards cards build credit?

Yes. Using a rewards credit card responsibly by making timely payments and maintaining a low credit utilisation ratio helps improve your credit score, just like any other credit card.

Where can I use a rewards card?

You can use a rewards credit card for all your expenses, including everyday purchases, online shopping, travel bookings, dining, fuel, and bill payments, to maximise the rewards you earn.

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