Get 5% Cashback on EMI and Tap & Pay Transactions


IDFC First Bank has come up with attractive Diwali offers for its credit card customers. Under these offers you will earn Additional cashback on all EMI and Tap & Pay (contactless) transactions Created with your IDFC First Credit Card. Offer valid from 10 October to 10 November 2021.

idfc first credit card offer

Proposal 5% cashback on 3 or more tap and payment transactions and all EMI transactions
offer validity 10 October to 10 November 2021
max cap Rupee. 1,000 for the Tap and Pay offer and Rs. 10,000 for EMI offer

Offers on Tap & Pay (contactless) transactions

Under this offer, you earn 5% cashback (up to Rs.1,000) on all tap and payment transactions Created with your IDFC First Credit Card during the offer period. At least 3 Tap & Pay transactions are required during the offer period to avail the offer. The following terms and conditions are applicable on Tap & Pay Offer-

  • offer is applicable Tap and pay offline only (contactless) POS transactions Built at merchants with contactless payments.
  • Offer is not applicable on online and non-contactless (dip and pin) offline transactions.
  • a At least 3 tap and pay (contactless) transactions are required to avail the offer during the offer period.
  • The cumulative contactless spend at POS during the offer period will be considered for calculation of cashback.
  • Maximum cashback that can be earned under this offer 1,000 limited on Rs.
  • A Cardholder is eligible for the Offer only once during the entire Offer Period.
  • This offer is also applicable on IDFC First Family Credit Card.
  • Offer valid from 10 October to 10 November 2021.
  • Earned cashback is credited within 60 days of the offer’s expiry date.

Offers on EMI transactions

Under EMI Transaction Offer, you earn a Cashback of 5% (up to Rs.10,000) on all EMI transactions Created with your IDFC First Credit Card. a Minimum transaction value of Rs. 3,000 required to take advantage of the offer. The following terms and conditions are applicable on the EMI Cashback offer on IDFC First Credit Card-

  • Offer is applicable only on EMIs processed for tenors more than 3 months, i.e. on EMIs processed for 6, 9, 12, 18, 24 or 36 months.
  • EMI transactions done within 90 days of card issuance will not be eligible for this festive offer. However, new customers will earn 5% cashback on EMI transactions as per the Welcome Offer applicable on IDFC First Credit Card.
  • This cashback offer is applicable Over and above any merchant offers at the point of sale.
  • Applicable on the transaction value of the offer Rupee. 3,000 and above.
  • Jewelery and fuel purchases and cash withdrawals are not eligible for EMI conversion.
  • Transactions converted into EMI are not eligible for reward points.
  • 1% of the transaction amount (minimum Rs.99) is charged as processing fee on EMI conversions.
  • For detailed terms and conditions, you can refer to the official offer Terms and Conditions Page.

ground level

IDFC First Bank, as we know, is new to the credit card business. All IDFC credit cards are already lifetime free and now the bank has come up with this exciting cashback offer for its customers. The timing of offers, especially EMI offers, is very appropriate as the demand for EMI conversions increases at this time of year as many cardholders make big-ticket purchases around Diwali. Recently, SBI Card also launched a 10% cashback offer on select categories of online transactions, while American Express was already offering complimentary Taj and Amazon gift vouchers to its cardholders as part of the limited-period Diwali offer. More such offers are expected from other card issuers in the next few weeks as well.

Rajat Gauri

Engineer by education, Financial writer by profession, keen interest in Banking and Finance. It’s here to help you build a strong credit profile and get the most out of your credit cards. I write on credit card best practices and innovative ways to maximize reward point and cashback benefits on credit cards.


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