IDFC FIRST Rewards Gallery: bonus points, redemption values and caps by card

What is IDFC FIRST Rewards Gallery and who runs it?

FIRST Rewards Gallery is IDFC FIRST Bank's loyalty platform for earning and redeeming points on its credit and debit cards, with flights, hotels, merchandise and gift cards. The bank's page says it is powered by Customer Capital, shows products and offers from third-party merchants, and that IDFC FIRST Bank is not responsible for their products and services.

The bank's travel terms for FIRST Millennia say the bank facilitates the payments and is not involved in selling the products. For travel queries the bank's page lists +91-9152905290 and care@tripstacc.com, and for shopping queries care@shopstacc.com.

How do I log in to FIRST Rewards Gallery?

Through the IDFC FIRST Bank mobile app only. The bank's page says the Gallery is not available on desktop. You open it from FIRST Rewards Gallery on the app's main screen, or from Flights, Hotels, Shop, Gift Cards or Deals under the Rewards, offers and Deals section.

Older card terms call the same section Travel and Shop. The FIRST Power and LIC Select travel terms still use that name.

How many bonus points do I earn on flights and hotels booked there?

It depends on the card. The bank's Rewards Gallery page lists bonus points per rupee spent, over and above the card's base points, from 10 points per Rs 200 on flights with FIRST Millennia to 50 points per Rs 150 on hotels with FIRST Private. You earn no bonus when you pay partly with points, and Ashva, Mayura, Gaj and FIRST Private earn no bonus on gift cards.

The FIRST Millennia product page and its travel terms describe the same offer as 20% bonus points on hotels and 10% on flights, in a unit where 10 points per Rs 200 counts as 5%. On that reading Millennia earns 40 bonus points per Rs 200 on hotels, twice the Gallery table's 20. The FIRST Power and LIC Select terms match the Gallery table. If your Millennia bonus looks short, ask the bank.

The Millennia, Power and LIC Select terms cap bonus points at 8,000 a calendar month per card account, and credit them by the 5th of the month after you travel or check in, if the account is active. EMI transactions earn no bonus.

From IDFC FIRST Bank's FIRST Rewards Gallery page, read 9 November 2026. The bank says the bonus is a promotional benefit that can be changed or withdrawn without notice.

What is an IDFC FIRST reward point worth on Rewards Gallery?

Rs 0.25 on most cards, and more on flights and hotels for four cards. The bank's page lists Rs 0.40 a point on Ashva, Rs 0.50 on FIRST WOW! Black and Mayura, and Rs 1 on Gaj and FIRST Private for flights and hotels booked on the Gallery. Every other card in its table, and IDFC FIRST debit cards, get Rs 0.25.

An example. On FIRST Millennia, 20 bonus points per Rs 200 on a hotel at Rs 0.25 a point is Rs 5 back per Rs 200, or 2.5%. On Gaj, 45 bonus points per Rs 150 at Rs 1 a point is Rs 45 back per Rs 150, or 30%, the figure the bank's page quotes. These are bonus points only, before the card's base points.

From the FIRST Rewards Gallery page, read 9 November 2026. The page says values on other products may vary by card.

How much of a booking can I pay with points, and is there a limit?

Up to 70% of a flight, hotel or merchandise order, and up to 100% of a gift voucher, according to the bank's Gallery page. The rest goes on the IDFC FIRST credit card you are redeeming from.

The Millennia, Power and LIC Select travel terms also cap redemption on travel at 1,00,000 points a calendar month and 2,00,000 points a calendar year. The bank's rewards page says there is no minimum number of points to redeem, but some categories need a set number.

What does it cost to redeem points on Rewards Gallery?

Rs 99 + GST on each redemption. The bank's Gallery page, its credit card rewards page and the FIRST Millennia page all state this fee.

On a Rs 2,500 voucher bought with 10,000 points at Rs 0.25, the fee of Rs 99 plus 18% GST, about Rs 117, is close to 5% of the voucher's value. Fewer, larger redemptions spread the fee further.

What happens if I cancel a booking paid with points?

The points and the card payment go back to where they came from within 7 business days of cancellation, under the travel terms for FIRST Millennia, FIRST Power and LIC Select. A refund comes back as points first, up to the points used, and any balance to the card.

The Millennia terms give an example: a Rs 10,000 booking paid with 28,000 points (worth Rs 7,000) and Rs 3,000 on the card. A Rs 5,000 refund returns 20,000 points. A Rs 8,000 refund returns all 28,000 points and Rs 1,000 to the card.

What are the catches on IDFC FIRST Rewards Gallery?

Bookings must be for you or your immediate family. The Millennia travel terms let the bank review bookings, claw back bonus points on bookings for anyone else, and put the burden of proof on you. The bank's MITC also lets it withdraw benefits or close the card over misuse of offers to build up points, and says you must prove bona fide use to reinstate it.

If your points balance falls short at settlement, the MITC lets the bank debit the difference to your card. Points on the LIC Classic and LIC Select cards are valid for 3 years, per the MITC. We did not find an expiry rule for other IDFC FIRST credit cards in the documents we read.