IDFC Firstap RuPay Platinum DC reward rate depend on your Account type not card variant - Normal, Select, Wealth and Private account.
Firstap RuPay Platinum Debit Card first transaction you will again get welcome rewards (no matter if you already get welcome rewards using your primary card, you will again received this welcome rewards on first transaction using Firstap RuPay Platinum DC) -
2000 welcome reward points on IDFC First normal account
4000 welcome reward points on IDFC First Select account
8000 welcome reward points on IDFC First Wealth account
20,000 welcome reward points on IDFC First Private account.
Reward system for IDFC First Bank normal account -
2000 welcome reward points on IDFC First normal account transaction above Rs. 1000
Online transaction- earn 2 reward points for every Rs. 150 spend
Offline transaction- earn 1 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 150) for every Rs. 150 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Select account reward system-
4000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 3 reward points for every Rs. 150 spend
Offline transaction- earn 2 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Wealth account reward system-
8000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 4 reward points for every Rs. 150 spend
Offline transaction- earn 3 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Private account reward system-
20,000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 6 reward points for every Rs. 150 spend
Offline transaction- earn 4 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
Reward Rate:-
IDFC First Bank Normal Account -
Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%
IDFC First Bank Select Account -
Online- 0.50%
Offline- 0.33%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
IDFC First Bank Wealth Account -
Online- 0.67%
Offline- 0.50%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
IDFC First Bank Private Account -
Online- 1%
Offline- 0.67%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
With IDFC, Card Variant don't matter but your account variant decides your fate.
S.No. | Account Variant | Max. Pts | Max. Spend |
1. | Normal Account | 8000 | Rs.1,60,000.00 |
2. | First Select | 30000 | Rs. 3,40,000.00 |
3. | First Wealth | 50000 | Rs. 5,36,660.00 |
4. | First Private | 500000 | Rs. 50,30,000.00 |