Rewards with zero annual cost
Independent comparison platform. Not affiliated with IDFC FIRST Bank. Full disclaimer
Base earn rate
0.75 pts per ₹100
Salaried: no hard minimum; ₹15,000/month recommended. Self-employed: 1+ year of filed ITR. Age 21–65. CIBIL 700+ recommended; lenient underwriting for IDFC FIRST savings-account customers.
Remaining 65% of spend earns the 0.75% base rate.
Rewards / year
₹8,175
≈ 1.36% effective
Annual fee
₹0
no published waiver
Net steady-state return
+₹8,175/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹8,175 a year.
One-time welcome benefit: ~₹500 — on spending Rs.15,000 within 90 days
Based on published rates as of 2026-08-07; assumes IDFC FIRST Bank Product Guide states outright '1 Reward Point = Rs.0.25'. Rewards estimates, not guarantees.
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