For 10x, there are some merchants like Flipkart, AJio,M&S etc..
So if you spend on these merchants, you will get 10X points from the start itself irrespective of Incremental spends.
Note: for IDFC 10X means 10 points per 150 rupees
Eg: If you spend Rs.1500 in Flipkart with any debit card, you will get 100 points(1.67%).
For incremental 10X,
Online( CC Payment)
Classic
Till 20K - 0.33%
After 20K - 1.84%
Eg: For 2 Lakh, total cashback Rs.3378
Select
Till 1L - 0.50%
After 1L - 2%
Eg: For 2 Lakh, total cashback Rs.2500
Wealth
Till 1.5L -0.67%
After 1.5L - 2.17%
Eg: For 2 Lakh, total cashback Rs.2090
Private
Till 2L - 1%
After 2L - 2.34%
Eg: For 2 Lakh, total cashback Rs.2000