{"id":2759,"date":"2025-12-29T19:00:00","date_gmt":"2025-12-29T13:30:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=2759"},"modified":"2025-12-29T15:38:58","modified_gmt":"2025-12-29T10:08:58","slug":"idfc-first-bank-revises-credit-card-benefits-for-2026-every-changes-explained","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/idfc-first-bank-revises-credit-card-benefits-for-2026-every-changes-explained\/","title":{"rendered":"IDFC FIRST Bank Revises Credit Card Benefits for 2026: Every Changes Explained"},"content":{"rendered":"\n
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Synopsis:<\/strong> This article highlights the new changes announced by IDFC First Bank to its benefits, perks, and rewards for the upcoming year. Take a look at all the updates below to see what\u2019s changed.<\/em><\/p>\n<\/blockquote>\n\n\n\n

IDFC FIRST Bank credit cards have been popular because of simple rewards and comfortable lounge access. Over the years, many users depended on these benefits for daily spending and travel. You swipe, earn points, and use lounge access without thinking much about it. <\/p>

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But when the rules change, it becomes important to pause and understand what is different. IDFC FIRST Bank has now revised how rewards and travel benefits work on its credit cards. The cards remain active, but the way benefits are earned has been adjusted. <\/p>\n\n\n\n

These changes matter because they decide how much value you get from your everyday spending. Most reward-related changes apply from January 18, 2026, while lounge access changes apply from April 2026.<\/p>\n\n\n\n

IDFC Bank Revised Reward Structure for 2026<\/strong><\/h2>\n\n\n\n

Changes in Premium Credit Cards: Ashva and Mayura<\/h3>\n\n\n\n

If you hold a premium card like Ashva or Mayura, the biggest change is in international spending rewards.<\/p>

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Earlier, when you spent internationally, you earned 10X reward points without any condition. From January 2026, international spends will earn 5X reward points by default. To earn the higher reward rate, you now need to spend at least \u20b920,000 in a billing cycle.<\/p>\n\n\n\n

There is also an important rule related to payments. If you fail to pay the minimum amount due on time, you will not earn any reward points for that month, even if your spending is high. This means your rewards now depend not just on how much you spend but also on how you pay your bills.<\/p>

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What Has Changed for Lifetime-Free Cards (Classic, Select, Wealth)<\/h3>\n\n\n\n

If you use a lifetime-free card like Select, Wealth, or Classic, the card will continue to be free, but reward points will now add up a little slower than before. Earlier, you earned one reward point for every \u20b9150 spent. But now the spending required has changed to \u20b9200. <\/p>\n\n\n\n

If your monthly spending is below \u20b920,000, the reward points you earn will be lower. To earn higher reward points, your now need to spend above \u20b920,000 per month. The cards remain lifetime-free, but rewards now depend more on how regularly you use them.<\/p>\n\n\n\n

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Also Read:<\/strong> Lost Luggage or Medical Emergency? These 5 Credit Cards Protect You With Free Travel Insurance!<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n

How Airport Lounge Access Will Work Now<\/h3>\n\n\n\n

According to Moneycontrol<\/a>, you still get airport lounge access, but the number of free visits has been reduced on some cards. In short, lounge access is now based on how much you spend. Here\u2019s how lounge access will work after April 2026:<\/p>\n\n\n\n