IDFC First Select Credit Card – Reward Points Calculation Challenge! 💳🧠

[NithinK]

This is my first post in the Technofino community.

I recently got the IDFC First Select Credit Card, and my first statement was generated yesterday. But I’m completely confused by the way reward points have been calculated by IDFC for the spends I made in this month.

Here’s what I’ve done:

• I’ve attached a cropped copy of my statement (with transaction names struck off for privacy) that shows all the transactions and the total reward points credited by IDFC.
• I also opted for their Digital RuPay Credit Card, for which I was charged ₹199 + GST. I made 6 transactions using that card too – those are listed separately in the same statement.

Despite trying to decode the calculation, I can’t find any logic that matches their final reward points total.

So here’s the challenge:
👉 If anyone can correctly figure out how the reward points have been calculated, and explain it clearly – you win a ₹200 Amazon Gift Card from me!
(Assuming this kind of challenge is allowed under community rules.)

Let’s see if someone can crack the IDFC reward points mystery. 😅

Thanks in advance.

 

[hellowo₹ld]

all calculations are round up..

431rs upi eligible for 1x reward points: 3

total eligible txns (min 150 and above) = 70604

eligible for 3x reward points: 1412

only flipkart txns eligible for 10x that dkmul seems like education or govt based on mcc = 34704

above 20k u spent extra on these fk txns, 14704

eligible for extra 7x reward points: 686

 

[hellowo₹ld]

for 40k (if I remove DMKuL txns due to excluded category by many cards), u got 0.9% only.

mentioned multiple times, IDFC cards not worth to spend.. same sbi cashback would've given 4.5% apprx.

 

[theflash]

This is my first post in the Technofino community.

I recently got the IDFC First Select Credit Card, and my first statement was generated yesterday. But I’m completely confused by the way reward points have been calculated by IDFC for the spends I made in this month.

Here’s what I’ve done:

• I’ve attached a cropped copy of my statement (with transaction names struck off for privacy) that shows all the transactions and the total reward points credited by IDFC.
• I also opted for their Digital RuPay Credit Card, for which I was charged ₹199 + GST. I made 6 transactions using that card too – those are listed separately in the same statement.

Despite trying to decode the calculation, I can’t find any logic that matches their final reward points total.

So here’s the challenge:
👉 If anyone can correctly figure out how the reward points have been calculated, and explain it clearly – you win a ₹200 Amazon Gift Card from me!
(Assuming this kind of challenge is allowed under community rules.)

Let’s see if someone can crack the IDFC reward points mystery. 😅

Thanks in advance.

There could be a chance IDFC calculed.your txns wrong.

I had done a few txns but didn't get right amt of rewards. I called them they've raised a request to get the points credited.