IDFC FIRST Bank Reward Points Trick.

IDFC User – New Trick To Pay Credit Card Bill To Get Reward Points :

Apply IDFC First Bank Here : CLICK HERE

Apply 2nd Debit card ( primary visa card + this add-on card both will coexist) – Add-on Firstap RuPay Platinum DC & get Reward on CC bill pay via phonepe app (Phonepe app allow free transaction for RuPay DC users). Go to IDFC app debit card section and apply Firstap.

Higher variant account get higher welcome reward points on IDFC Firstap sticker RuPay Platinum debit card

8000 welcome reward points on IDFC First Wealth account using IDFC Firstap RuPay Platinum Debit Card (do first time minimum transaction Rs1500)-

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.

No charge for RuPay DC on Phonepe app

Firstap RuPay Sticker Platinum DC Reward Rate depend on your acc variant- Normal, Select, Wealth & Private DC

Verify merchant names in my post before pay.

Phonepe app – CC bill pay via Debit card –

MCC 4814, if you get these merchant names only – 

Update Or Download Phonepe From Here : CLICK HERE

PHONEPE RECHARGE BANGALORE
WWWPHONEPECOM Gurgaon
phonepe banglore

PHONEPE RECHARGE

Phonepe recharge

Both Merchant names (Big letter and Small letter) and payment gateway UI eligible for IDFC Rewards.

Note – if you get ‘PhonePe Pvt Ltd’ merchant name then i think MCC Code – 6012 (dnt do any transaction on this merchant name cancel and retry)

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.

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 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%

Bonus tip: Also get Swiggy & Amazon friday offer 20% upto 100 off per month. Hope you already know about RuPay Platinum DC offer.

Charge only ₹117 (Rs99+GST but one time, no annual fee) & do first transaction ₹1500+ to get 2000+20 welcome reward point (Value = Rs505). Your fee will easily recover + extra benefit. No annual charges or anything.

Join Our Official FB Group / Whatsapp / Instagram / Facebook Page / Official App.

Telegram Broadcast : https://telegram.im/@offerofworld (Search @offerofworld)

Buy Our Products Online With Free Delivery : https://offerongrocery.com/

PLEASE SUBSCRIBE TO OUR CHANNEL : https://www.youtube.com/dekhreview