IDFC First Bank Launched its Debit Card Reward System

[Venom_06]

Man your card was issued in 2023. How can they provide you "welcome" rewards in 2025?

Man, there are few members who received welcome rewards. Kindly check thread

 

[Venom_06]

IDFC Welcome points bonus are valid on txn of Rs.1000 and above and it doesn't matter whether it is your first txn or 2nd or nth. You get welcome benefits even after 10 txns if that is your first with amount 1000 and above.

This welcome bonus is given with FirstTap or every new card. But it doesn't means some people misuse it to get replacement card like they did with Axis.

I did transaction but got only base rewards. Any idea when will I get welcome rewards?

 

[Revanth999]

Yes. You will get reward points.

excluded category list -

Merchant Codes	Merchant Categories
6300	INSURANCE SALES AND UNDERWRITING
6012	FINANCIAL INSTITUTIONS - MERCHANDISE & SERVICES
6211	SECURITY BROKERS/DEALERS
6051	QUASI CASH
6540	WALLET UPLOAD

Other info -

A

Thread 'Which Debit Card to use for Credit Card Bill Payment in February & March 2025'

Feb 26, 2025

Which Debit card use for Credit Card bill payment in Feb & March 2025:

1) IDFC Debit cards: All IDFC account holder apply 2nd debit card - Add-on IDFC Firstap Sticker RuPay Platinum Debit Card.

You will get same reward points and 10x reward points benefit as per your account variant - Normal/General, Select, Wealth and Private account.

Apply 2nd IDFC Debit card ( primary visa/mastercard card + this add-on RuPay card both will coexist) from IDFC app, under your debit card section.

If you want to understand it better, think of it like this:

• For an IDFC...

• Abhishek012
• credit card debit card hdfc kotak rbl rupay sbi upi visa wallet
• Replies: 548
• Forum: Debit Card

• 
• 
• 

Bro Is bill pay Through Flipkart eligible or not bro.

Merchant: Flipkart internet private limited. Idfc customer care didn't revealed the MCC

 

[darkjediknight]

Bro Is bill pay Through Flipkart eligible or not bro.

Merchant: Flipkart internet private limited. Idfc customer care didn't revealed the MCC

Not eligible .

 

[Abhishek012]

But I received only rewards for my regular savings wealth account but not 8000 welcome rewards. Do I have to wait for it?

Man your card was issued in 2023. How can they provide you "welcome" rewards in 2025?

Valid only if you are using your Debit Card for the first time; that is, if you’ve never previously spent using your Debit Card before 14th July, 2023

 

[Sobirvs]

Man your card was issued in 2023. How can they provide you "welcome" rewards in 2025?

My card was issued in 2023, and I got welcome points of 2000 in 2024 coz I never used their card in 2023.

 

[Sobirvs]

Valid only if you are using your Debit Card for the first time; that is, if you’ve never previously spent using your Debit Card before 14th July, 2023

Naah bro, I actually many times used my debit card for 500 rs trxn in 2023 or even 800, not never I did 1000. In 2024, I did 1000+ trxn and I got welcome points. I don't think it is about a trxn for "first time".

But when I went to wealth/1st tap, I never risked this, and did 1000+ trxn only and got pts.

 

[sambitpatro]

Naah bro, I actually many times used my debit card for 500 rs trxn in 2023 or even 800, not never I did 1000. In 2024, I did 1000+ trxn and I got welcome points. I don't think it is about a trxn for "first time".

But when I went to wealth/1st tap, I never risked this, and did 1000+ trxn only and got pts.

What he has written is given in the terms and conditions of idfc first bank. Check the reward portal

 

[Sobirvs]

What he has written is given in the terms and conditions of idfc first bank. Check the reward portal

I am not saying it isn't written in t&c. I am just sharing my experience.

If someone wants to check, they can perform any trxn less than 1k and then do 1k+ trxn after 4-5 days and check if they get welcome rewards or not.

I can show u my statement too to confirm this.

 

[sambitpatro]

I am not saying it isn't written in t&c. I am just sharing my experience.

If someone wants to check, they can perform any trxn less than 1k and then do 1k+ trxn after 4-5 days and check if they get welcome rewards or not.

I can show u my statement too to confirm this.

Someone has already confirmed before ur post today in this thread that reward points are getting credited for transaction above 1000 be it first or nth transaction......

However if ppl get reward points even if they have done transactions before july 14 2023 also then idfc needs to amend that

 

[gunadeepak10]

Wait upto 30 days.

Canara setu is now not eligible but your old transaction "Retail CC" merchant name, you will get rewards.

Received points for March1st Transaction.
Used Phonepay+Rupay

 

[Venom_06]

Valid only if you are using your Debit Card for the first time; that is, if you’ve never previously spent using your Debit Card before 14th July, 2023

I have used my wealth dc in 2022 then also got 8000 welcome rp in 2023

 

[Abhishek012]

I have used my wealth dc in 2022 then also got 8000 welcome rp in 2023

Sometimes, IDFC missed some transaction rewards or sometimes only welcome rewards.

This has happened many times where some people didn’t receive the first transaction rewards + ₹8K welcome rewards in their wealth account through Firstap RuPay.

One guy waited for 10-15 days, then made another transaction and the rewards for the second transaction + ₹8K welcome rewards were credited the next day.

Then, after 20 days, the rewards for the first transaction also got credited but the ₹8K welcome rewards didn’t because it had already been given with the second transaction.

Note - you can also complaint to IDFC bank and IDFC will manually credit the rewards + welcome rewards.

Also note - if you complaint then some uneducated IDFC employee will credit 2k welcome rewards instead of 8k welcome rewards. They will told you Firstap RuPay only get 2k welcome rewards. So, make another transaction to automatically receive the ₹8K welcome rewards in your wealth account.

 

[kalyan324]

IDFC first tap (Normal Account)
Applied on 22nd Feb, Received virtual card on 23 and physical card on 26th Feb
1st Transaction- Done on 24th Feb, on Canara setu for amount Rs.1500 merchant name "Retail CC" till today no points credited (N+WR)

2nd Transaction - Done on 27th Feb, on Phonepe for amount Rs.1200 merchant name "Phonepe Recharge" till today no points credited (N+WR)

3rd Transaction - Done on 5th March, on Phonepe for amount Rs.1002 merchant name " Phonepe Recharge" . Today (7th March) points credited for this transaction only.
Normal - 13.36 points
Welcome Rewards- 2000 points

 

[ashu99924]

received welcome points of 8k today for rupay card used on phonepay on 4th march. 🙂

 

[sasha]

Where to use Debit card (Mastercard IDFC) for welcome reward points.

 

[beast34]

Someone has already confirmed before ur post today in this thread that reward points are getting credited for transaction above 1000 be it first or nth transaction......

However if ppl get reward points even if they have done transactions before july 14 2023 also then idfc needs to amend that

I got my card issued in 2022,mostly used in airport lounges for 2rs transaction that too got reversed
One time i did for around 4k in june 2023
Then after july even after doing multiple 1k+ transactions i didn't got welcome points🥲

 

[sambitpatro]

Where to use Debit card (Mastercard IDFC) for welcome reward points.

Check the exclusion list in reward portal. Apart from that u can use it anywhere

 

[sambitpatro]

C

I got my card issued in 2022,mostly used in airport lounges for 2rs transaction that too got reversed
One time i did for around 4k in june 2023
Then after july even after doing multiple 1k+ transactions i didn't got welcome points🥲

Lodge a complaint with idfc but I doubt they will give since the transaction was way back in 2023

 

[kalyan324]

For 250 reward points as first bill payment of the month what is the minimum amount we need to pay
Anyone reply pls