Shopping becomes more rewarding when your credit card gives you points, cashback, or discounts. Many people in India now prefer credit cards that help them earn something back on their daily spending. That’s where IDFC FIRST Bank credit cards for shopping rewards stand out.
Whether you love shopping online or in stores, using a credit card that offers extra value can help you save more in the long run. In this article, we’ll discuss how an IDFC FIRST Bank credit card for shopping rewards can be a smart option for your daily and monthly purchases.
Best IDFC FIRST Bank Credit Card for Shopping Rewards
Let’s check out some of the top IDFC FIRST Bank credit cards that give great rewards on shopping.
IDFC FIRST Select Credit Card
This is one of the most popular cards for those who shop often.
Key Highlights:
- 6X reward points on online shopping
- 3X reward points on offline spending
- 10X points on spends above ₹25,000/month
- No joining or annual fee
- Lifetime free with no expiry of reward points
This IDFC FIRST Bank credit card for shopping rewards is ideal if you shop regularly and want long-term value.
IDFC FIRST Wealth Credit Card
A premium card that gives rewards and travel perks.
Key Highlights:
- 6X reward points on online purchases
- 3X points on other spends
- 10X points after ₹30,000 spends in a month
- Free airport lounge visits
- No expiry on earned points
This is a good IDFC FIRST Bank credit card for shopping rewards for people who also travel and dine frequently.
IDFC FIRST Classic Credit Card
A simple and beginner-friendly card, best for daily spending.
Key Highlights:
- 6X points on online shopping
- 3X points on offline shopping
- Flat ₹100 off on movie tickets (25% off, once per month)
- No annual fee
- Lifetime free card
If you’re looking for a no-fee IDFC FIRST Bank credit card for shopping rewards, this card is a great starting point.
IDFC FIRST Millennia Credit Card
Perfect for youngsters and working professionals who shop often online.
Key Highlights:
- 6X points on online shopping platforms
- 3X points on in-store shopping
- 5% cashback on the first EMI transaction
- ₹500 worth welcome voucher
- Zero joining and annual charges
This card is best suited for people in their 20s and 30s who want shopping rewards with no hidden fees. It’s another top IDFC FIRST Bank credit card for shopping rewards option for regular buyers.
IDFC FIRST WOW Credit Card
This secured credit card is for those with low credit scores or no credit history.
Key Highlights:
- 4X reward points on every ₹150 spent
- Accepted widely for online and offline shopping
- Lifetime free card with no annual fee
- Backed by a fixed deposit (starting ₹5,000)
It’s a good IDFC FIRST Bank credit card for shopping rewards for those new to credit and who want to start with safe spending habits.
Why Go for IDFC FIRST Bank Credit Card for Shopping Rewards?
Let’s look at the reasons why these cards are great for shoppers:
Extra Points on Online Shopping
Almost all IDFC FIRST Bank cards give 6X points for online purchases. If you often shop on platforms like Amazon, Flipkart, Myntra, or BigBasket, you’ll earn more rewards.
No Expiry of Points
The best part of an IDFC FIRST Bank credit card for shopping rewards is that your points never expire. You can collect them and redeem them later when needed.
Zero Annual Fees
Most of the cards are lifetime-free. This means you won’t lose money on yearly charges and can still enjoy great rewards.
Simple Redemption Process
The points earned can be used for vouchers, shopping discounts, or even bill payments. The process is easy and can be done online.
Extra Benefits
Along with shopping rewards, these cards also offer:
- Fuel surcharge waiver
- Discounts on movie tickets
- Dining offers at select restaurants
- Cashback on some spends
Tips to Use Your Credit Card Smartly
To make the most of your IDFC FIRST Bank credit card for shopping rewards, keep these points in mind:
- Use your card for regular spending like groceries, fashion, and electronics.
- Try to cross the monthly limit to get 10X rewards (on Select and Wealth cards).
- Avoid cash withdrawals to save on charges.
- Pay your bill on time to avoid interest or late fees.
- Redeem points regularly so that you don’t miss out on offers.
Who Should Use an IDFC FIRST Bank Credit Card for Shopping Rewards?
These cards are great for:
- Online shoppers
- Families who shop monthly
- Students and young professionals
- People with low or no credit history (WOW card)
- Anyone who wants to earn rewards without paying fees
Whether you’re a regular buyer or someone who shops during sales and festivals, using an IDFC FIRST Bank credit card for shopping rewards can help you save and earn at the same time.
Also Read:- SBI Credit Card for International Discounts
Bottom Line
If you love getting extra value on your daily purchases, an IDFC FIRST Bank credit card for shopping rewards is a smart pick. With no annual fees, more reward points on online shopping, and easy redemption options, these cards make shopping more fun and rewarding. Pick the right card based on your shopping habits and start earning rewards today!
Jyoti is unique blend of expertise, extensive experience, and a genuine passion for credit cards positions him as an exceptionally well-suited and engaging content writer. His profound insights into the Indian credit and banking sectors have empowered him to craft numerous informative and captivating blogs.