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From Generous to Gone: IDFC FIRST Bank's Debit Card Rewards End from 1st January 2026

I just received an email from IDFC. Highlighting the important stuff:

Effective 1st Jan’26, we are making the following changes to our Savings Account and Debit Card offerings:

1. Changes in Schedule of Charges for Savings Account

An Annual Debit Card Fee of ₹300 will be applicable. This will be charged annually on the anniversary of your debit card issuance date. For example, if your debit card was issued on 1 st Jan’25, the annual fee will be charged on 1 st Jan’26. You will continue to enjoy Zero Fee Banking on all other services. Click here to find detailed Schedule of Charges for all Savings Accounts.

2. Changes in First Rewards Program effective 1st Jan’26

• No Welcome Reward Points shall accrue on Debit Card activation and transactions
• No Reward Points accruals on all online and offline Debit Card transactions
• No Accelerated Reward Points on all Debit Card transactions
• We currently offer 250 reward points once per month, per bill payment. Going forward on successful payment, customers can earn 500 points per unique biller, once per month, for up to 3 months.

All accrued reward points earned, can be redeemed anytime through our mobile banking app. There will be no change in the redemption of accrued reward points.

3. Exciting New Benefits and ways to Earn Reward Points

• Exclusive Offers and Limited-Time Promotions: You’ll now enjoy access to specially curated deals and time-sensitive promotions, designed to bring you more value and unique experiences.
• With our exclusive range of Debit Cards, we offer complimentary insurance cover, enhanced withdrawal and purchase limits and offers across dining, shopping and travel.

4. Fair Usage Policy

To promote responsible usage of deposit products and associated services, the Bank will periodically define limits on certain transactions and services. These measures are aimed at safeguarding the banking infrastructure, preventing misuse, and ensuring consistent service quality for all customers. Please click here to know more about the Comprehensive Deposit Policy available on our website.
Click to expand...

www.idfcfirst.bank.in

Savings Account Fees, Service & AMB Charges

Check the latest savings account fees and charges, including AMB/MAB charges, maintenance fees, minimum balance requirements, and service charges for ATM withdrawals, IMPS, fund transfers, and more.
www.idfcfirst.bank.in www.idfcfirst.bank.in

🤷‍♂️
 
Apply For LTF Axis Bank Credit Card
@BVC @Rkr Merge this thread with
TechnoFino

Thread 'From Generous to Gone: IDFC FIRST Bank's Debit Card Rewards End from 1st January 2026'

So, the day has finally arrived.

IDFC FIRST Bank has officially informed customers that effective from 1st January 2026, there will be no more reward points on any debit card spends - whether online, offline, or on any platform.

This update applies across all variants - Wealth, Private, and others.

1762254213606.webp

The email sent by the bank starts with a long explanation, claiming that the move is aimed at "maintaining their offerings."
But let’s be honest - we all saw this coming.

Right from the start, I had mentioned that such a high-reward debit card program was too good to last...
  • TechnoFinoTechnoFino is verified member.
  • cards credit card bill payment credit card bill payment via debit card debit card debit card reward devaluation free idfc idfc debit card idfc first idfc first bank idfc first bank debit card reward idfc first bank debit card reward system over reward reward points
  • Replies: 195
  • Forum: Debit Card
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Reactions: Rkr
panu24 said:
@BVC @Rkr Merge this thread with
TechnoFino

Thread 'From Generous to Gone: IDFC FIRST Bank's Debit Card Rewards End from 1st January 2026'

So, the day has finally arrived.

IDFC FIRST Bank has officially informed customers that effective from 1st January 2026, there will be no more reward points on any debit card spends - whether online, offline, or on any platform.

This update applies across all variants - Wealth, Private, and others.

1762254213606.webp

The email sent by the bank starts with a long explanation, claiming that the move is aimed at "maintaining their offerings."
But let’s be honest - we all saw this coming.

Right from the start, I had mentioned that such a high-reward debit card program was too good to last...
  • TechnoFinoTechnoFino is verified member.
  • cards credit card bill payment credit card bill payment via debit card debit card debit card reward devaluation free idfc idfc debit card idfc first idfc first bank idfc first bank debit card reward idfc first bank debit card reward system over reward reward points
  • Replies: 195
  • Forum: Debit Card
  • Like
  • Haha
  • Hehe
Click to expand...
Thanks for the same.
 
panu24 said:
@BVC @Rkr Merge this thread with
TechnoFino

Thread 'From Generous to Gone: IDFC FIRST Bank's Debit Card Rewards End from 1st January 2026'

So, the day has finally arrived.

IDFC FIRST Bank has officially informed customers that effective from 1st January 2026, there will be no more reward points on any debit card spends - whether online, offline, or on any platform.

This update applies across all variants - Wealth, Private, and others.

1762254213606.webp

The email sent by the bank starts with a long explanation, claiming that the move is aimed at "maintaining their offerings."
But let’s be honest - we all saw this coming.

Right from the start, I had mentioned that such a high-reward debit card program was too good to last...
  • TechnoFinoTechnoFino is verified member.
  • cards credit card bill payment credit card bill payment via debit card debit card debit card reward devaluation free idfc idfc debit card idfc first idfc first bank idfc first bank debit card reward idfc first bank debit card reward system over reward reward points
  • Replies: 195
  • Forum: Debit Card
  • Like
  • Haha
  • Hehe
Click to expand...
thanks, missed it!
 
2025 said:
For CC,
Very few people here have that much monthly spend, so you have to check yourself which one fit you. Also depends on where you spend.

Have you checked below thread?

TechnoFino

Thread 'Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino'

Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime...
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---------
For DC, I think you only made below thread. Even though there was nothing new for us. Now you yourself asking same question.

shazansalim

Thread 'The most rewarding debit card! PNB Imperial RSDC'

Today, I’m sharing my experience of getting the PNB Rupay Select Imperial Debit Card — and honestly, this isn’t just another debit card, it’s one of the most rewarding ones currently available in India.

Let me start from the beginning — I had applied for this Debit Card recently (the only reason I opened an account with PNB) The benefits and vouchers that come bundled with the Imperial variant easily exceed ₹16,000 in total value (maybe even more, I haven’t done the exact math yet!).

What makes it even more interesting is that PNB allows up to two add-on cards, meaning you...
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Click to expand...
The debit card I shared is rewarding without spends, I am talking about a debit card that has a reward system based on spending...
Why isnt there a thread about best debit cards 2025?
 
From Jan 1,2026 Rs.200+GST on card anniversary.

Source: EMail

Account: Select

FD maturing next month with maturity instruction credit to account and then fund tfr and account closure.

Will keep funds back in PNB.
 
I opened Zero balance a/c lined with Select cc auto pay offers they mention no charges i believe it 10K MAB they mention 300 Rs for dc renewal

offer was like -

1762449777653.webp


Now mail mention 300 Rs Charges as shared by people, but website says 200 Rs for 10K Mab ac
 

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