It’s Khushiyan FIRST this Festive season for IDFC FIRST Bank Credit Card holders!

It is that time of the year again when you begin moving items from your wishlist to the cart , with unplanned expenses getting added along the way. The smart thing to do would be to include your festive shopping as a part of your budget, and use your Credit Card break festive spends down to manageable EMIs.

The benefits of using Credit Cards come to the fore during days of heavy spending - utilise the credit limit and enjoy an interest free credit period! However, Credit Cards offer benefits over and above these apparent ones, during festive periods. 

Prominent Credit Card Benefit Categories
 

There are numerous ways in which your Credit Card offers festive benefits. If you were to list out these benefits, they can broadly be categorised in three distinct segment; merchant-linked offers, milestone-based offers, and top-spender offers. Let’s try and understand what these are:

Top Spenders 

Top spender attractions are available across different IDFC FIRST Bank Credit Cards, ensuring it's Khushiyan FIRST for all IDFC FIRST Bank Credit Card users.

• Credit card users holding the FIRST Millennia, FIRST Select, FIRST Wealth, FIRST Classic, and FIRST Family cards stand to win the following (competing within their respective Card variants):
  • 1st Place – iPhone 14 Pro worth Rs 1,29,900 or equivalent gift vouchers
  • 2nd Place – iPhone 14 worth Rs 79,900 or equivalent gift vouchers
  • 3rd Place – Samsung S22 worth Rs 62,999 or equivalent gift vouchers
  • 4th to 11th Place- Apple Watch 8 worth Rs 48,900 or equivalent gift vouchers

The results will be based on the card use between 5th October and 31^st October, 2022.

• These cardholders are also in the run for the daily top spends prize of a FitBit Sense worth Rs 24,999. 6 of these prizes will be up for grabs every day between 21-26 October 2022, per Card variant
• 72 Amazon Gift Vouchers worth Rs 5,100 will be awarded to top hourly spenders between 10 am and 10 pm, per Card variant

Merchant Offers 

Merchant-linked offers are available around the year on almost all leading Credit Cards. However, these get extra lucrative during the festivities.

• Electronic Brands - This festive season, IDFC FIRST Bank Credit Card offers on consumer electronics include:
  • Buy a fridge from the German giants Liebharr, using IDFC FIRST Bank Credit Cards can get you 5% cash back up to Rs 2,500 on EMI transactions 
  • Electronic purchases from Haier using your IDFC FIRST Bank Credit Cards get you cash back of up to Rs 12,000. Valid till 31 October 2022, this cash back will also be available on EMI transactions on the brand
  • Also available on all IDFC FIRST Bank Credit Cards is a 20% cashback offer on the latest electronic items from Bosch and Siemens. You can avail this offer till 15 November 2022

• Two-wheelers - Happiness is arriving on two wheels for IDFC FIRST Bank Credit Card holders, with 5% cash back (up to Rs 5,000) on Honda, TVS, and Suzuki two-wheelers. This offer is available throughout October 2022

• Electronic Merchants - Apart from brands, IDFC FIRST Bank Credit Cards have tie-ups with several consumer electronics stores as well. At Croma, all Cardholders get a 10% instant discount up to Rs. 3,000 on full payment and up to Rs. 3,500 on EMI, till 26^th October. A 10% instant discount of up to Rs 3,500 on EMI is available at Vijay Sales till 26 October 2022. Using an IDFC FIRST Bank credit card at Digi1 Electronics and Kohinoor Electronics can get you a 7.5% instant discount of up to Rs 3,000 till 31 October 2022

• Brands - IDFC FIRST Bank is offering cash back on EMI transactions on various brands. This includes:
  • 8% cash back on Vivo smartphones
  • 10% cash back is offered on Bose items
  • 5% cash back of up to Rs 4,000 on EMI transactions on the purchase of Oppo A, F, K and Reno series models
  • 10% cash back of up to Rs 1,000 on EMI transactions on selected HP printers
  • 10% cash back of up to Rs 10,000 on Dell laptops priced above Rs 75,000 and up to Rs 4,000 on laptops costing above Rs 40,000. 5% cashback of up to Rs 3,500 is available on purchases above Rs 35,000
  • Cash back of Rs 7,500 is available on Microsoft purchases
  • Cash back of up to Rs 5,000 is available on selected Samsung wearable products
  • 5% cash back on Acer products

• Food – You also need to put on a few calories to make up for the calories burnt on shopping and celebrations! 
  • Order on SwiggyInstamart with your IDFC FIRST Bank credit card to get Rs 100 off on all orders of Rs 699 and above. This will be available every Thursday
  • If you are ordering in on weekends, try the Zomato 15% discount of up to Rs 125 (Rs 50 on non-participating restaurants) on Saturdays and Sundays, on all orders above Rs 499
  • Once during the month till 30 November 2022, you can get a flat discount of Rs 150 on your Dominos orders of Rs 700 and above

• For October 2022, you can get up to Rs 10,000 as cashback on your EMI. All you have to do is to convert your festive expenses to EMIs to get this 2% cash back

There could be many ways to put Khushiyan FIRST, but IDFC FIRST Bank certainly puts it beyond expectations. This festive season, all IDFC FIRST Bank Credit Card holders will reap benefits almost everywhere they spend. And this festive season, some of them will win the latest iPhone in town, just for buying everything that’s on their wishlist!

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.