IDFC FIRST Bank has rolled out a new targeted offer on its credit cards. Under this dynamic offer, customers can earn bonus reward points by achieving predefined spend milestones during the offer period (August 2025). Here are the details:
Offer Details
| Offer | Get XXXX Reward points on spending Rs.YYYY |
| Offer Period | 1 Aug 2025 – 31 Aug 2025 |
| Return on Spend | ~2.5% + regular rewards |
| Source |
It’s a simple and straightforward offer but it’s quite unfair for the bank to not disclose the exclusions as the proper t&c is missing in the email. It doesn’t even say which card is eligible for the offer.
However, you may refer to the previous offers like this offer rolled out in July 2023 to get an idea of exclusions and fulfilment period.
Also it’s bit weird that IDFC is sending notification for this offer by month end while they consider the spends since beginning of the month.
While I got the offer for 2,500 points on 25K INR spend, it could be different for each individual. I see some reporting as good as 20K points which is pretty good. The challenge in my case is it doesn’t say which card it’s targeted for, whether it’s on IDFC Wealth Credit Card or my recently closed IDFC Mayura Credit Card.
Have you received any such targeted offer on IDFC Bank Credit cards? Feel free to share in the comment below.
Got below reply from them:
We would like to inform you that as checked with our relevant team the Income tax payments are applicable for this offer, Only exclusion categories are UPI spends , wallet load and cash.
I also got offer mail for my idfc first wealth credit card regarding spending 75K during 16th aug to 15th sept and getting 12500 bonus rewards points. In terms and conditions, it was mentioned as ” UPI spends and MCC categories — including wallet loads and cash will not be part of eligible spends. ” but which MCC categories are excluded other than wallet loads , that is not specified.
I called customer care and asked that this offer will be applicable for government tax payment spends or not, he checked and informed that it will be applicable. Anyone has any idea/confirmation on that?
i sent mail to them …. but no reply in 3 days till now.
You may always record the conversation and use it for future escalations, just incase if things go wrong.
Pls recheck the offer period. For me its 15Aug-15Sep to get 15000 points on 1lac spend
It ends by 31st Aug for me. Perhaps it’s different for each.
Hey Sid, I just received a targeted offer of 15,000 reward points on spending 1.5 Lakhs with my IDFC Wealth Credit Card. The email even showed the Wealth Card image, so I’m assuming it’s specific to that variant.
This works out to an additional 2.5% return through the bonus points, and when I factor in the regular reward points earned on spends, the overall return comes close to 4%
Wealth CC has been devalued long back. It’s 1.6% on spends above 20K. And it’s just 0.5% for spends below 20K.
So you get approximately 2.4%.
I get roughly 1.5% as base rewards apart from 2.5% through offer, as my target is beyond 20,000 rs. Am I missing something?
Sorry, you are right. I misread your targeted offer. Even my calculation matches with yours
1) For the first 20K spends the base rewards you get
20000*3*0.25/150 = 100 rs
2) For the next 1.3L spends the base rewards you get
130000*10*0.25/150 = 2166 rs
3) The offer 15K points is 15000*0.25 = 3750rs
so effective CB
(100+2166+3750)*100/150000 = 4%