Personal Finance News
IDFC First Bank revises credit card benefits, cuts rewards for Mayura, Ashva and other cards
4 min read | Updated on December 25, 2025, 13:26 IST
SUMMARY
IDFC First Bank’s lifetime free cards, Classic, Select and Wealth, will now offer rewards at ₹200 per point, higher from ₹150 per point, bringing the rewards down by 25%, according to a Moneycontrol report.
On all credit cards, IDFC Bank will offer only 1X reward points on FASTag recharges and railway spends.
IDFC First Bank has revised the benefits on several of its credit cards, reducing reward rates on international spends, according to a report by Moneycontrol. Cardholders, including those who have Mayura and Ashva cards, will now need to track their spending limits, keep a check on the caps and be aware of the reward terms.
The changes will come into effect in 2026. Let’s take a look at all the changes as per the report.
IDFC Bank revises rewards
Moreover, making reward rules stricter, if any cardholder misses the minimum payment by the due date, he/she won’t earn reward points for that billing cycle for IDFC Ashva and Mayura cards.
On Club Vistara IDFC FIRST card too, if you miss the minimum amount by the due date, you won’t earn any Maharaja Points during that billing cycle.
IDFC First Bank’s lifetime free cards, Classic, Select and Wealth, will now offer rewards at ₹200 per point, higher from ₹150 per point, bringing the rewards down by 25%. While customers will still earn 10X reward points on monthly spends over ₹20,000, and on their birthday spends, spending below ₹20,000 will attract only 3X reward points now.
Lounge access
From April 2026, only one complimentary domestic airport lounge access every quarter will be offered on the IDFC FIRST Select Credit Card, down from 2 every quarter. Additionally, to unlock the free lounge access, customers must spend at least ₹20,000 in a month to get the benefit in the next month.
Even on the bank’s IDFC FIRST Wealth Credit Card, only one free domestic airport lounge visit and one free international lounge visit will be allowed per quarter, down from two each earlier.
Other changes
On all credit cards, IDFC Bank will offer only 1X reward points on FASTag recharges and railway spends. A 1% surcharge will be applicable on credit card FASTag recharges over ₹10,000 per billing cycle, and a 1% charge on railway spends of over ₹25,000 per cycle.
However, the bank has increased reward points on travel bookings, offering 33% bonus points on hotel bookings and 20% bonus points on flight bookings done through IDFC FIRST Bank Mobile App. For the Ashva card, 1 reward point is worth ₹0.40 on travel redemptions, and for Maurya, it is worth ₹0.50.
IDFC Bank new credit card rules
| Feature | Before | After |
|---|---|---|
| Ashva & Mayura – International Spend Rewards | 10X reward points | 5X reward points |
| Eligibility for 10X Rewards | No minimum spend required | Minimum ₹20,000 monthly spend required |
| Lifetime Free Cards (Classic, Select, Wealth) | Reward value: ₹150 per point | Reward value reduced to ₹200 per point |
| Lounge Access – Select Card | 2 complimentary domestic visits per quarter | 1 complimentary domestic visit per quarter |
| Lounge Access Eligibility | No spend condition | ₹20,000 monthly spend required |
| Wealth Card Lounge Access | 2 domestic + 2 international visits per quarter | 1 domestic + 1 international visit per quarter |
| FASTag Transactions | Normal reward earnings | 1X reward + 1% fee above ₹10,000 |
| Railway Ticket Bookings | Regular rewards | 1% fee above ₹25,000 |
| Travel Bookings via App | Standard rewards | +33% (hotels) and +20% (flights) bonus points |
ICICI Bank credit card changes
Related News
By signing up you agree to Upstox’s Terms & Conditions
About The Author
Next Story
