BREAKING: It's a bloodbath for IDFC FIRST Credit Card users in 2026! Best-in-class rewards decimated, reward multipliers increased, lounge access reduced to 50%— Get ready for a bloodbath if you have an IDFC FIRST Credit Card in 2026. Ashva/Mayura forex rewards plummeted from 10X to 5X. Classics incur 25% earnings.
The Golden Age of IDFC FIRST Credit Cards ends. ICICI did it; now it's the IDFC Bank's turn. Don't miss tracking EVERY change until April 2026!
Premium Bloodbath: IDFC FIRST Credit Cards Forex Rewards HALVED
IDFC FIRST Credit Cards flagships Mayura & Ashva suffer the biggest blows:
| Card | Old Forex Rate | NEW 5X Rate |
|---|---|---|
| IDFC FIRST Mayura | 10X Rewards | 5X Rewards |
| IDFC FIRST Ashva | 10X Rewards | 5X Rewards |
"IDFC FIRST Credit Cards for International Shoppers": Your travel rewards just got neutered. Late payment? The bank REVOKES points completely.
BASE RATE HIKE: IDFC FIRST Credit Cards Offer 25% LESS
The IDFC FIRST Bank lifetime free trio of amenities got crushed:
- Classic/Select/Wealth: ₹150 → ₹200 per reward
- 25% Instant Devaluation on ALL spends
IDFC FIRST Credit Card common user loses big. Math Alert: ₹20,000 monthly spend = 133 → 100 points. Annual? ₹5,000+ value loss!
Loungepocalypse: IDFC FIRST Credit Cards Perks TANK
IDFC FIRST Credit Cards airport golf facilities greatly reduced:
| IDFC FIRST Credit Cards | Current Lounge/Golf | NEW (April 2026) |
|---|---|---|
| Select | 8 Domestic/Year | 4 Domestic/Year |
| Wealth | 8 Domestic + 8 Intl + 24 Golf | 4 Domestic + 4 Intl + 4 Golf |
IDFC FIRST Credit Card frequent flyers: Halved access = doubled cost!
Car & Transport: FASTag/Railway KILL Switch
IDFC FIRST Credit Card Utility Hacks are no more:
FASTag: >₹10K/cycle = 1% FEE on transactions
Railway: > ₹25K/cycle = 1% FEE on TOTAL
BOTH now earn ONLY base 1X (no bonuses)
IDFC FIRST Credit Cards SWYP monthly benchmarks? Refactored-Rental/Utilities → FASTag + Railways ONLY (400 RP at ₹20K).
Payment Policy: IDFC FIRST Credit Cards Points REVERSAL Threat
- IDFC FIRST Credit Cards: "Late Fee Charges May Apply
- Club Vistara: Miss minimum due? Maharaja Points WITHDRAWN
- Mayura/Ashva: "Late Payment = entire cycle points erasure"
- All IDFC FIRST Credit Cards: Zero-tolerance policy
ProTip: Auto-debit or face total reward wipeout!
IDFC FIRST Credit Cards Survival Roadmap (Pre-2026)
IDFC FIRST Credit Card holders—Damage control NOW:
- Max Current Benefits: Crush Forex spends at 10X (Q1 2026)
- Stockpile Points: Convert before reversal policies come into effect.
- Lounge Blitz: Use all 2025 accesses
- Alternative Hunt: Axis and HDFC Premium Cards Unaffected
IDFC FIRST Credit Card downgrade list: Classic/Select cards are now mid-tier trash.
???? Devaluation Scorecard: IDFC FIRST Credit Cards Hit List
???? WORST HIT: Mayura/Ashva
️ LOUNGE LOSERS: Wealth/Select
???? BASE BUSTERS: Classic/Select
???? HACK KILLERS: FASTag/Rail
⚡ ALL IDFC FIRST Credit Cards: Payment Policy
???? Final Verdict: IDFC FIRST Credit Cards Free Lunch ENDS
The IDFC FIRST Credit Cards changed from a lifetime free utopia to a tracked, capped, and fee-filled underworld! The prestige of Mayura/Ashva is diminished; the best become average. The Fair Usage Policy is a safeguard of profits by the bank. IDFC FIRST Credit Card users: Milk 2025 dry, plan 2026 exit. Banks want spenders, not hackers. Devaluation winter is tough on us!