IDFC First Bank Credit Card Offers (October 2026): Festive Deals, EMI Discounts and Everyday Savings

It's the middle of the festive season, and if you hold an IDFC FIRST credit card, you should know how it actually saves you money. Depending on the card variant and ongoing promotional campaigns, you may benefit from a variety of IDFC First Bank credit card offers.

IDFC FIRST's offers fall into three groups: merchant discounts (food, travel, electronics), EMI-only deals, and card features that work like permanent offers. This guide covers what's live as of October 18, 2026, and flags the festive offers that have already ended.

🛍️ Offers change weekly. Check today's live credit card offers on Monzy before you pay.

TL;DR

• Food and quick commerce: flat ₹75 off on Zomato, Swiggy and Zepto, plus offers on EazyDiner and District dining (full-swipe payments), per IDFC FIRST's offers page.
• Travel on EMI: offers on MakeMyTrip, Goibibo and Paytm Flights for IDFC FIRST credit card EMI transactions.
• Electronics on EMI: offers on Samsung, Haier and Vijay Sales EMI purchases.
• Ended: Amazon Early Deals (Sept 25–Oct 7) and the AJIO ₹3,000 offer (Oct 7–14).
• Card features that save every month: zero forex markup on all IDFC FIRST credit cards, rewards on UPI, and up to 105 interest-free days on balance transfers.

IDFC First Bank credit card offers live in October 2026

From IDFC FIRST Bank's credit card offers page, checked on October 18, 2026:

⚠️ Watch out: EMI-only offers usually need a minimum tenure, and the bank may charge interest or a processing fee on the EMI. Check the real cost with Monzy's no cost EMI calculator.

IDFC FIRST festive offers that have ended

• Amazon Great Indian Festival Early Deals (Sept 25 – Oct 7, 2026): IDFC FIRST offered an extra ₹1,000 off on 6-month+ EMI orders of ₹49,990 or more and ₹750 off on orders of ₹34,990 or more, as reported. The main sale from October 8 was led by SBI's offer instead.
• AJIO (Oct 7–14, 2026): an instant discount of up to ₹3,000 on IDFC FIRST credit and debit cards, per AJIO's terms.

During Flipkart's Big Billion Days, the bank offers were on Axis and ICICI cards, not IDFC FIRST.

IDFC FIRST rewards offers: FIRST Rewards Gallery

IDFC FIRST's Rewards Gallery advertises bonus value when you redeem points on bookings, with the offers page showing a 30% bonus and a 13% bonus on flights.

The offer terms aren't laid out on the main page, so check the Rewards Gallery before redeeming. IDFC values a regular reward point at ₹0.25.

IDFC First credit card features that work like offers

These aren't time-limited, but they save money every month:

• Zero forex markup: IDFC FIRST says all its credit cards now come with zero forex markup. See IDFC FIRST removes forex markup.
• Welcome benefits: up to ₹1,500 on FIRST Millennia, Classic and Select, per the bank's page.
• Movies: 25% off on Millennia and Classic, and buy-one-get-one twice a month on Select and Wealth.
• Balance transfer (Credit Pro): up to 105 interest-free days on each balance transfer.
• UPI rewards: up to 3X reward points on UPI spends on eligible RuPay cards.

For the full card lineup, read IDFC FIRST credit cards, and for the FD-backed card, see our FIRST WOW! review.

🛍️ Want the best offer across all your cards? Compare live credit card offers.

How to find and use IDFC FIRST card offers

1. Open the IDFC FIRST Bank app and go to the credit card's offers section.
2. Check whether the offer needs a full payment or EMI, and the minimum order value.
3. Use the merchant's coupon code if one is listed.
4. Pay with the eligible IDFC FIRST credit card and confirm the discount appears before you enter the OTP.

FAQs about IDFC First Bank credit card offers

What are the IDFC First Bank credit card offers right now?

As of October 18, 2026, IDFC FIRST's offers page lists ₹75 off on Zomato, Swiggy and Zepto, dining offers on EazyDiner and District, and EMI offers on MakeMyTrip, Goibibo, Paytm Flights, Samsung, Haier and Vijay Sales.

Is there an IDFC First Bank credit card offer on Amazon?

IDFC FIRST ran EMI discounts during Amazon's Early Deals from September 25 to October 7, 2026. Check the Amazon payment page to see whether an IDFC FIRST Amazon offer is live.

Does IDFC FIRST have a Flipkart Big Billion Days offer?

Not in 2026. Flipkart's BBD instant discounts were on Axis Bank and ICICI Bank cards.

Do IDFC FIRST EMI offers charge interest?

Some do. EMI offers can carry interest and a processing fee unless they're marked as no-cost EMI. Check the EMI breakup before confirming.

Which IDFC FIRST credit card has the best offers?

Most merchant offers apply to all IDFC FIRST credit cards. FIRST Select and Wealth add buy-one-get-one movie tickets and airport lounge access.

Conclusion

The IDFC First Bank credit card offers worth using right now are the ₹75 food and grocery discounts and the EMI deals on travel and electronics. Big festive offers on Amazon and AJIO have ended, so check the live offers tool before your next big purchase.

Disclaimer

This article is for informational purposes only and doesn't constitute financial advice. Offers are taken from IDFC FIRST Bank's offers page and merchant terms as of October 18, 2026, and can change or end without notice. Read the offer terms before you pay.