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/
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.
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)
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.
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.
Reward portal link - https://www.firstrewards.com/
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 Program | Monthly Point Capping |
|---|---|
| General | 8,000 |
| Select | 30,000 |
| Wealth | 50,000 |
| Private | 5,00,000 |
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 Codes | Merchant Categories | |
| 6300 | INSURANCE SALES AND UNDERWRITING | |
| 6012 | FINANCIAL INSTITUTIONS - MERCHANDISE & SERVICES | |
| 6211 | SECURITY BROKERS/DEALERS | |
| 6051 | QUASI CASH | |
| 6540 | WALLET 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 a moderator:
Regular debit card 
Cred (for bill value >50k) 
Regular Debit cards - 2X RPs 
First Select Debit Card - 3X RPs 
Incremental Monthly Spend Benefit for 10X RPs : 
Regular Debit cards - spends above 20k
Redemption ! 
️e - vouchers 
Redemption fee of Rs. 99+service tax on every redemption 
