IDFC FIRST CREDIT CARD - 10X Reward Points on Birthday Transactions

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2023-12-13

Hello Dimers!

A family member has IDFC FIRST WEALTH CREDIT CARD. One of the benefits of the card is, '10X Reward Points on Birthday'.

1. His birthday is coming up, so what is the best way to utilise this birthday benefit? To maximise the benefits?

2. Are Fuel, Insurance, and EMI transactions eligible for this 10X RP offer?

3. And, among these three credit cards, HDFC INFINIA , HDFC TATA-NEU INFINITY, and IDFC FIRST WEALTH (considering 10x birthday rp), which is the best one to use at Tanishq?

As per my limited knowledge , we'll get 1 Reward point per ₹100 spent on Wealth cc and 1 Reward point = ₹0.25. So, on birthdays we should get 10X = 10 Reward points per ₹100 spent, ₹2.5 per ₹100 spent (2.5%)

Thank you for your time and inputs.

Top Comments

https://www.desidime.com/discussions/idfc-first-credit-card-10x-reward-points-on-birthday-transactions?page=1#post_9757061

curiosityfreak2020980

2023-12-13

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Idfc 10X rewards works out at <2% cashback.

For Tanishq gold purchase I think tata nue card (5%) seems to be the best, don't know about infinia.

But before buying gold at Tanishq, visit other stores like Malabar or Joyallakus etc, because

Gold at tanishq is 5-10% costlier upon that Making charges+GST is charged, so making the price of the jewellery more than other.

If you are Tata employee, try to use the employee discount at Tanishq, 10-20% discount on making charges.

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https://www.desidime.com/discussions/idfc-first-credit-card-10x-reward-points-on-birthday-transactions?page=1#post_9757061

curiosityfreak2020980

2023-12-13

Link Copied

Idfc 10X rewards works out at <2% cashback.

For Tanishq gold purchase I think tata nue card (5%) seems to be the best, don't know about infinia.

But before buying gold at Tanishq, visit other stores like Malabar or Joyallakus etc, because

Gold at tanishq is 5-10% costlier upon that Making charges+GST is charged, so making the price of the jewellery more than other.

If you are Tata employee, try to use the employee discount at Tanishq, 10-20% discount on making charges.

https://www.desidime.com/discussions/idfc-first-credit-card-10x-reward-points-on-birthday-transactions?page=1#post_9757123

NeoM

2023-12-13

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Yes, absolutely, it makes no sense to purchase from Tanishq but his fiancé prefers Tanishq. Now, it is upto him to choose between saving 10-15% on gold purchase or earning the ire of his fiancé. joy stuck_out_tongue_closed_eyes

BTW, do you have any idea regarding the second question, "2. Are Fuel, Insurance, and EMI transactions eligible for this 10X RP offer?"

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https://www.desidime.com/discussions/idfc-first-credit-card-10x-reward-points-on-birthday-transactions?page=1#post_9756965

SuperKnight

2023-12-13

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1. If he wants to redeem HDFC infinia Points by converting to Tanishq GVs then its a diff case, assuming it is not, then if he is going to get any monthly promotional benefit Like HDFC sent me 2K vouchers on spend of 95K, then you can look at Infinia else go for Tata Neu

https://www.desidime.com/discussions/idfc-first-credit-card-10x-reward-points-on-birthday-transactions?page=1#post_9757117

NeoM

2023-12-13

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Oh that's a great idea! He doesn't have any Infinia points. Got the card recently.

Do you have any idea regarding the second question, "2. Are Fuel, Insurance, and EMI transactions eligible for this 10X RP offer?"