IDFC First Bank has launched its festive offer for 2022 – ‘Khushiyan First’ for credit cards. We have two offers: an assured cashback/bonus reward and another top spender offer. The top spender offer has some lucrative rewards like iPhone 14 Pro and Samsung S22. Here is everything you need to know about this offer.
IDFC First Bank Khushiyan First Credit Cards Offer Details
|Offer||Spend Rs X and get bonus rewards or cashback worth Rs Y|
|Offer Duration||5th October to 31st October 2022|
|Fulfillment||15th December to 30th December 2022|
|Excluded Spends||Insurance, Fuel, Rent Payments, Wallet Loads and Cash Withdrawals|
Khushiyan First Top Spender Offer
Top spender offers are not assured offers. So, I would not suggest trying for these but the awards are quite lucrative.
- 1st Winner: iPhone 14 Pro or Gift Voucher or Rs 1,29,900 Cashback
- 2nd Winner: iPhone 14 or Gift Voucher or Rs 79,900 Cashback
- 3rd Winner: Samsung S22 or Gift Voucher or Rs 62,999 Cashback
- 4th to 11th Winner: Apple Watch 8 or Gift Voucher or Rs 48,900 Cashback
The interesting part in this offer is IDFC First Bank has an option of giving cashback in lieu of the award. Many will find this more exciting as the products can be brought at a lower price.
There are daily winners and hourly winners as well for spends between 21st to 26th October 2022.
- Daily Winners: FitBit Sense or Gift Voucher or Rs 24,999 Cashback
- Hourly Winners: Amazon Gift Voucher or Gift Voucher or Rs 5100 Cashback
I have an IDFC First Wealth credit card and received an offer to spend Rs 10000 and get Rs 500 cashback. Few have also got bonus reward point offers for spending. The bonus reward rate varies between 3% to 6% for personalized offers. But, the spending and reward targets are quite low in most cases. I wish IDFC First Bank would have had these kinds of offers with higher spending and rewards. Low spend targets are easy to achieve but festive spends, in general, are quite higher.
The top spender offers are great but not assured. So, avoid those and use assured festive spends offers on other credit cards.