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IDFC First Bank launched its debit card reward system

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IDFC First Bank launched its debit card reward system recently. Now you'll earn reward points for spending money using your IDFC First Bank debit card.
Reward portal link - https://www.firstrewards.com/

Screenshot_20230204_124537_Samsung Internet.jpg

Reward system for IDFC First Bank normal debit card-
2000 welcome reward points on IDFC First normal debit card 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 debit card 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 debit card 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 debit card 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.

Exclusions: Payment to Mutual Funds, Insurance, Financial Institutions, Security Brokers, Dealers, Wallet Uploads, Quasi Cash, ATM Withdrawals, Credit Card Payments and Account Transfers transactions are not a part of FIRST Rewards program, Please refer to the TnC page for specific Merchant Codes that are excluded.

1 reward point = Rs. 0.25

Note: You'll earn core reward points depending on your debit card variant, along with the 10X points.

A monthly reward point accrual capping will be applicable based on user’s program membership. (w.e.f. 1st December 2023)

Type of ProgramMonthly Point Capping
General8,000
Select30,000
Wealth50,000
Private5,00,000

How to redeem- You can redeem your reward points against gift vouchers, flight booking, recharge, etc.
Just click on "Redeem" and you'll see all the available options.
Link- https://www.firstrewards.com/user/burn

These are the excluded mcc's. You won't receive any reward points for spending on these categories.

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

Reward Rate:-

IDFC First Bank Normal Debit Card-
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 Debit Card-
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 Debit Card-
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 Debit Card-
Online- 1%
Offline- 0.67%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

Update on 14th July: IDFC First Bank relaunched its debit card reward system on 14th July, 2023.
We've made the necessary changes in the article.

Update on 22 Dec, 2023: IDFC First Bank updated its debit card reward system on 1st Dec, 2023.
We've made the necessary changes in the article.
 
Last edited by Piyush_Jaiswal:
Kuch din, weeks baad phir se kam karne lagega.
lagta hai ye trick amar hai
abbath is a fuckin badassss GIF
 
Even after I logged in to SBI unipay it still shows login is that a bug for everyone or since I don't have savings account with sbi?
 
Even after I logged in to SBI unipay it still shows login is that a bug for everyone or since I don't have savings account with sbi?
Try again after some time. The login bug happened about 40% of the time for me. The remaining 60% of the time I could login. I used it only for a few days and am probably never going to use it again, unless it improves
 
Try again after some time. The login bug happened about 40% of the time for me. The remaining 60% of the time I could login. I used it only for a few days and am probably never going to use it again, unless it improves
I did try with rs 100 and the payment was successful but when I tried with 10k the payment was declined by idfc due to genuine transaction checking. Received a call and confirmed that as genuine but again the transaction is getting failed from idfc side.
 
They have placed a debit freeze on my account. I had 40k in my account. How long will it take to remove the debit freeze?
Message them on twitter immediately and visit your nearest branch. If they don't do anything in next 7 days then raise a rmi ombudsman complaint. Btw did you ask why they have freezed your account?
 
Message them on twitter immediately and visit your nearest branch. If they don't do anything in next 7 days then raise a rmi ombudsman complaint. Btw did you ask why they have freezed your account?
I contacted cs through call and they have made a service request to unfreeze my account within 3 days. They told me for security reasons as I was using my debit card on SBI unipay.
 
I contacted cs through call and they have made a service request to unfreeze my account within 3 days. They told me for security reasons as I was using my debit card on SBI unipay.
unko sab pata hai bas acting kar rahe hai.
jaha unko detect kiya ki loot ho rahi hai is account se toh turant prabhav se aapke reward points block ho jaenge aur aap kuch nahi kar paenge
 
unko sab pata hai bas acting kar rahe hai.
jaha unko detect kiya ki loot ho rahi hai is account se toh turant prabhav se aapke reward points block ho jaenge aur aap kuch nahi kar paenge
Bro I just received my welcome rewards today only. Not even made any successful transaction with my debit card after first transaction and they placed a debit freeze.
 
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