KHUSHIYAN FIRST – 1% Cashback on IDFC FIRST Bank Debit Cards (2022 Diwali offer)

IDFC First bank launched its Festive offer on 10th October 2022 and is rewarding users with 1% cashback on their spends from the period 10th Oct -10th Nov 2022. 

IDFC Khushiyan First Festive Debit Card offer

Offer Details

Offer Details1% cashback on all IDFC Debit card spends 
Minimum SpendsNil
How to availAll types of Spends – Tap / Dip on PoS (Point of Sales) & Online all eligible
Maximum cashbackRs 2500
Excluded TransactionsATM cash withdrawals, Wallet uploads, Debit Card EMI transactions and Fund transfers
Eligible CustomersAnyone receiving notification from IDFC First bank
Any other Important clauseCashback limit of 2.5K is on customer ID and if you have 2 cards, then cumulative spends are calculated

My views on this

IDFC credit card is giving 5% reward rate for their Diwali offer which I have enrolled but the unhindered reward rate of 1% cashback on a debit card is also pretty good.  The good point is no minimum spends and the cashback is posted against each transaction within 48 hours.

Two major places where I have used this offer where credit cards would not have worked or added to my cost due to transaction charges

  • NPS – Debit card transactions donot have any charges while credit cards have transaction charges so it’s a cool 1% cashback if you use IDFC first card for NPS transactions.
    You can spend Rs 50000 on NPS for availing maximum tax savings so this will be cool Rs 500 cashback for me.
IDFC Debit Card 1% Cashback offer
1% cashback on NPS
  • Paytm Credit card Bill payments – Paying credit card bills through Paytm using your debit card you can use this card for 1% cashback
IDFC Debit Card 1% Cashback offer
1% cashback on Credit Card bill payment on Paytm using IDFC Debit card

I really wish IDFC was also giving reward points on their debit cards but that’s another topic.

All in all, a nice offer to help you do savings of Rs 2500 this Diwali

So, do you plan to use this offer? Do share any other useful way you intend to utilize this offer.

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