IDFC FIRST Wealth Credit Card on Dining out

Yes. The IDFC FIRST Wealth Credit Card gives 1.25% back when you pay on Dining out directly, compared with 0.38% on its other spends.

On Dining out

1.25%

Other spends

0.38%

Rank for Dining out

#40 of 149

Annual fee

Free

What to know before you pay on Dining out

How it works

Same rates as Millennia/Select. Flights/hotels booked in the IDFC FIRST app get 20% bonus points on top.

Caps & rules

1 point per ₹200 = 1X, 1 point = ₹0.25.
10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
Plus 20% bonus points every month on flights and hotels booked in the IDFC FIRST app.
Zero forex markup since 18 Sep 2026.

Reward limits

10X points on dining, travel, international and birthday spends; 3X elsewhere: Points only on spends up to your credit limit per billing cycle
1X points on utilities, insurance, railways and FASTag: No limit

No rewards on

Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.

Checked 2026-10-03 · Bank terms

Apply now Full review Compare all cards for Dining out

Cards that earn more on Dining out

#1
Swiggy HDFC Credit Card
HDFC Bank · ₹500 + Taxes · Max ₹1,500 per statement cycle

10%
Apply now
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month

10%
Apply now
#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes · Max ₹2,000 a month

6.67%
Apply now

Where else the IDFC FIRST Wealth Credit Card earns more

Air India 1.25% Akasa Air 1.25% Cleartrip 1.25% Goibibo 1.25% IndiGo 1.25% MakeMyTrip 1.25% Swiggy 1.25% Zomato 1.25%

Questions

Does the IDFC FIRST Wealth Credit Card give rewards on Dining out?

Yes. The IDFC FIRST Wealth Credit Card gives 1.25% back when you pay on Dining out directly, compared with 0.38% on its other spends.

Is there a limit on IDFC FIRST Wealth Credit Card rewards?

1 point per ₹200 = 1X, 1 point = ₹0.25. 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%). Plus 20% bonus points every month on flights and hotels booked in the IDFC FIRST app. Zero forex markup since 18 Sep 2026.

Which credit card is best for Dining out?

Swiggy HDFC Credit Card is the best pick for regular spending on Dining out, with 10% back. The IDFC FIRST Wealth Credit Card ranks #40 of 149 cards we compared, by what each returns after caps.