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IDFC FIRST Reward Points

₹0.50/pt only on flight/hotel bookings inside the IDFC app; ₹0.25 everywhere else. Ashva's ceiling is lower still — ₹0.40 on app travel, a haircut its card page bakes in. Closed loop, ₹99 redemption fee, and the Jun-2026 caps put the trend downward.

IDFC FIRST Bank·trending down·reviewed 2026-07-10
₹0.25
Floor
₹0.50
House value / point
₹0.50
Ceiling
▼
Trend

Nerf risk: stable No tracker events on record for this program

Expiry: never on Mayura or Ashva — IDFC's Jun-2026 24-month expiry hit its lower cards, not these

Floor = the worst redemption you can always fall back on; ceiling = the best sweet-spot exit. The house value is what a disciplined traveller actually clears.

Every way in

Cards that earn it

IDFC FIRST Mayura
IDFC FIRST Bank · ranked #11
1.7% reward rate · 3.33 pts/₹100
IDFC FIRST Ashva
IDFC FIRST Bank · ranked #13
1.3% reward rate · 2.67 pts/₹100
IDFC FIRST Private
IDFC FIRST Bank · ranked #29
2.0% reward rate · 4 pts/₹100
IDFC FIRST Wealth
IDFC FIRST Bank · ranked #48
0.4% reward rate · 0.75 pts/₹100

What a point has been worth

Derived only from quantified, dated events in the tracker — no interpolation, no vibes.

₹0.50 → ₹0.50 since 2024
  • 10 Jul 2026 ₹0.50 current house value
  • 19 Sept 2024 ₹0.50 2024-09-19 — IDFC FIRST unveils the Mayura metal card, the anchor for this house value, with in-app flight/hotel redemptions at ₹0.50/pt from day one. No recorded movement since: the Jun-2026 caps and 24-month expiry hit earn rates and lower cards, not Mayura's ₹0.50 travel rate.

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