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IDFC First Bank Khushiyan First 2023

bhavyegoel

TF Premier
TF Family
Chief Editor
Sr Moderator
IDFC First Bank has launched its Diwali offer and the following are the details.
Screenshot 2023-10-04 at 9.57.55 PM.png


Enrolment Dates: 3rd October to 15th October 2023
Offer Date: 7th October-15th October, 2023
Offer Fulfillment Date 15th December '23- 1st January '24

The offer has two parts.

1) Targeted Spends Festive Campaign
  1. Additional 10x rewards on spends will be offered for eligible spends done on eligible IDFC FIRST Bank Credit cards during the above-mentioned offer period: 7th October-15th October 2023.
  2. The current reward structure will continue to be applicable over which additional reward points will be offered during the offer period on eligible spends.
  3. Additional 10x rewards offer will not be valid on spends done on Fuel (MCC 5172, 5541, 5542, 5983), Cash (MCC 6010, 6011,7280), Rent Payments (MCC 6513), Utility (MCC 4800-4999), Wallet Load (MCC 6540) & EMI transactions.
  4. For this offer, UPI spending will be included in eligible spending.
  5. Additional 10x rewards program has limited validity during the offer period & will not be carried forward post the same.
  6. The offer is applicable on the following IDFC FIRST Bank Credit Cards - FIRST Classic, FIRST Millennia, FIRST Select, FIRST Wealth, IDFC FIRST Bank Employee Credit Card FIRST Family, FIRST WOW!, FIRST Private, FIRST Power, FIRST Power+ Credit Cards.
  7. This offer is not applicable on FIRST Corporate, FIRST Purchase, FIRST Business & Club Vistara IDFC FIRST Credit Cards.
  8. Only the transactions done from 7th October 2023 till 15th October 2023 will be considered for the offer. Even if the enrolment is done at an earlier date, all spending done within the offer period will be considered eligible.
Spends AreaMillennia/ClassicSelectWealthPrivate
Offline Spends2.16%2.60%3.25%3.25%
Online Spends2.66%3.2%4%4%
Above Threshold Spends3.33% (Above 20K)4% (Above 25K)5% (Above 30K)5% (Above 30K)

The reward rate looks good. A detailed review of the IDFC Cards is available at https://www.technofino.in/idfc-first-bank-credit-card-review/. I am excluding HPCL Power cards since fuel and utilities which are two most rewarding categories on the cards are excluded form this offer.

2) Top Spender Festive Campaign
The offer is applicable on the following IDFC FIRST Bank Credit Cards - FIRST Classic, FIRST Millennia, FIRST Select, FIRST Wealth, IDFC FIRST Bank Employee Credit Card FIRST Family, FIRST WOW!, FIRST Power, FIRST Power+ & Club Vistara IDFC FIRST Credit Cards.

3. This offer is not applicable to FIRST Corporate, FIRST Purchase, or FIRST Business.

4. The offer is only applicable to customers who have enrolled to participate in the Khushiyan FIRST campaign during the offer period. Customers can enrol anytime between 3rd October to 15th October 2023. The customer should have enrolled through any of the modes shared by the bank directly to the intended recipients.

a. By clicking on the link provided in the Email, SMS, Push Notification, App Banners, WhatsApp and/or any direct communication channel intended for the customer only

b. By sending the SMS shortcode

c. By giving a missed call on 02241499880

Offer Details

1. The top 250 spenders during the offer period stand a chance to win a Tanishq voucher worth Rs. 25,000

How to win? Be the highest spender between 7th October (12:00:00 AM) to 15th October 23(11:59:59 PM).

2. For this offer, each customer will be qualified only if they spend a minimum of Rs. 25,000 in the offer period. Customers holding multiple card spends across all cards will be aggregated to calculate eligible spends under this offer.

3. Spends done on Fuel (MCC 5172, 5541, 5542, 5983), Cash (MCC 6010, 6011,7280), Rent Payments (MCC 6513) and Wallet Load (MCC 6540) and Utility (MCC 4800-4999) will be excluded from Khushiyan FIRST- Top spenders calculation.

4. The Voucher will be credited/ posted to the Cardholder’s Credit Card account after 60 days post offer closure (voucher will be shared from 15th December’23 onwards).

I have attached the offer PDFs as attachments for community member's perusal.
 

Attachments

Last edited:
Card bhi hota toh maza aa jata
panchayat-season2-panchayat.gif
 
Maine last month hi IDFC ka Classic credit card le liya mazaak-mazaak mein. Ab pachhta raha hoon — Naa bank-specific offer aate hain, aur upar se ghatiya reward point rate. Upar se reward redeem karte waqt ₹100+ redeem karne ke charges aur.

Isse achha mere SBI debit card ke reward points hain. At least electricity bill payment poora rewards se ho jaata hai without additional charges.
 
Maine last month hi IDFC ka Classic credit card le liya mazaak-mazaak mein. Ab pachhta raha hoon — Naa bank-specific offer aate hain, aur upar se ghatiya reward point rate. Upar se reward redeem karte waqt ₹100+ redeem karne ke charges aur.

Isse achha mere SBI debit card ke reward points hain. At least electricity bill payment poora rewards se ho jaata hai without additional charges.
Classic ka normal reward rate 1% hein, above 20k spends 1.67% hein. LTF Card ke hissab se shi reward rate hein. Points expire nhi hote, to accumulate karke ek baar redeem kar sakte ho.
 
Maine last month hi IDFC ka Classic credit card le liya mazaak-mazaak mein. Ab pachhta raha hoon — Naa bank-specific offer aate hain, aur upar se ghatiya reward point rate. Upar se reward redeem karte waqt ₹100+ redeem karne ke charges aur.

Isse achha mere SBI debit card ke reward points hain. At least electricity bill payment poora rewards se ho jaata hai without additional charges.
Isme railway lounges hai / LTF hai reward b theek hai as a entry level cc baaki offers aate hi rhte hai time time p. I am happy with this cc🤍
 
Isme railway lounges hai / LTF hai reward b theek hai as a entry level cc baaki offers aate hi rhte hai time time p. I am happy with this cc🤍
LTF or railway lounge wali baat thik hai lekin offers? IDFC ke offers literally sirf 1-2 third party websites pe hai. Even RBL card ke offers zyada dikhte hai isse.

Reward rate bhi faltu hai after considering ₹99+gst redemption fee.
 
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