Most Banks have already started with their festival Offers. IDFC has come up with its Khushiyan First Offer. It is a better offer than most.
The Offer
The offer is only for those card holders who have received communication by SMS or Email.
The offer comes in two parts for the spends in 5th -31st October, 2022.
1. Personalised Offer: Simply spend more than the communicated threshold and get bonus rewards.
2. Top Spender Offer: Gifts for top spenders.
Furthermore, the credit card holders need to “Enroll” into the offer. This means simply opening the Link by clicking the “Enroll” button.
The link to the offer.
Note: There are Two different “Enroll” buttons for enrolling into each offer. If you click on just one enroll button you will probably miss out on the other offer.
Personalised Offer
The above offer is what I got. But there are more offers around. I have compiled the offers which I know of.
Spend Threshold | Bonus | Savings |
₹ 75,000 | 10,000 RP | 3.3% |
₹ 25,000 | 5,000 RP | 5% |
₹ 10,000 | ₹ 500 Cashback | 5% |
That is handsome savings. Also the IDFC reward Points are as good as cash.
Top Spender Offer
No one is a fan of “Top Spender Offer”. But they never stop coming.
The good thing about this is that there will be multiple winners. There will be different winners from the hourly, Daily, overall as well as from different credit card versions.
They have smartened up enough to limit the the hourly winner category time from 10 am to 10 pm. Small ticket spending at odd hours will make you no winner here.
Exclusions
The credit card companies have gotten aware and smart. The following spends are excluded from the spends’ total for these offers.
· Insurance (MCC 3429, 5960, 6300, 6381, 6513)
· Fuel (MCC 5172, 5541, 5542, 5983)
· Cash (MCC 6010, 6011,7280)
· Rent Payments (MCC 6513)
· Wallet Load (MCC 6540)
Conclusion
It’s a good offer and the Personalised offer gives healthy savings.
Do check out the review for the IDFC First Select Credit Card.