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Croma is one of the strongest merchants for IDFC First Bank cardholders this month. Two separate offers are running simultaneously — an extended EMI discount valid through June, and a Monday-only instant discount for full-swipe transactions. The EMI offer gives you more saving on higher-value purchases; the Monday offer is better for those who don't want to split into instalments.
If you have an IDFC First Bank credit card sitting in your wallet, there are active discounts running right now — on your grocery order, your next dinner out, your electronics upgrade, and your movie tickets this weekend. The problem is most cardholders never know these offers exist, or don't know where to look for them before they expire.
We've pulled together every verified IDFC First Bank credit card offer running this week in May 2026, with exact discount amounts, minimum spends, card eligibility, and validity. This covers Croma, EazyDiner, Swiggy Instamart, Zomato, BookMyShow, Nykaa, Myntra, Goibibo, and EaseMyTrip — all in one place.
Croma Offers: Electronics Discounts Running in May
7.5% Instant Discount on EMI — Up to ₹7,500
- Minimum transaction: ₹5,000
- Payment mode: EMI only
- Valid: 1st April 2026 – 30th June 2026
- Eligible cards: All IDFC First Bank Credit Cards
- Best for: Laptops, large appliances, ACs, TVs — any purchase above ₹15,000 sees meaningful savings
📅 Valid only on Mondays — May 5, 12, 19, 26
5% Instant Discount — Up to ₹1,500 (Every Monday in May)
- Minimum transaction: ₹10,000
- Payment mode: Full swipe — non-EMI transactions only
- Eligible cards: All IDFC First Bank Credit Cards
- Best for: Smartphones, tablets, audio gear — any single-item purchase above ₹10,000
💡 Zoutons Tip: If your Croma purchase is between ₹5,000 and ₹10,000, the 7.5% EMI offer applies but the Monday 5% offer doesn't (minimum is ₹10,000 for the latter). For purchases above ₹20,000 on a Monday, compare both: the 7.5% EMI option generally delivers higher absolute savings on larger orders.
EazyDiner Offer: ₹400 Off Your Restaurant Bill
Dining out is more rewarding this month with a flat ₹400 off when you pay through EazyDiner using select IDFC First Bank cards. This is a straightforward flat discount — no percentage math, no surprises — applied to your bill when you pay via the EazyDiner app at a partner restaurant.
₹400 Flat Off on EazyDiner
- Minimum order value: ₹4,000
- Valid: 1st May – 31st May 2026
- Eligible cards: IDFC First IndiGo, Ashva, and Mayura credit cards IndiGo / Ashva / Mayura
- How to use: Book via EazyDiner app → pay the restaurant bill through the app → discount applied automatically at checkout
- Valid at: EazyDiner partner restaurants across Delhi NCR, Mumbai, Bengaluru, Hyderabad, Chennai, Pune
⚠️ Card eligibility note: This EazyDiner offer is restricted to the IndiGo, Ashva, and Mayura variants only. Classic, Select, Millennia, and SWYP cards do not qualify for this specific offer.
Swiggy Instamart Offers: Grocery Savings and a Weekly Thursday Deal
IDFC First Bank has two active Swiggy Instamart offers running simultaneously in May — a higher-value EMI discount for larger grocery orders, and a smaller recurring Thursday deal that requires no EMI at all. Both are worth knowing about depending on your order size and frequency.
5% Off on Swiggy Instamart — Up to ₹2,000 (via EMI)
- Minimum order value: ₹3,000
- Payment mode: EMI transactions
- Valid: 1st May – 31st May 2026
- Eligible cards: All IDFC First Bank Credit Cards
📅 Every Thursday — May 1, 8, 15, 22, 29
₹75 Flat Off on Swiggy Instamart (Every Thursday)
- Minimum order value: ₹999
- Eligible cards: All IDFC First Bank Credit Cards
- Best for: Weekly household top-up orders — low threshold makes this easy to claim
💡 Zoutons Tip: The Thursday Instamart offer resets weekly. Instead of multiple small orders through the week, consolidate your household needs into a single Thursday order of ₹999+ to claim the flat discount every week in May — that's up to ₹375 in total grocery savings across the month.
Zomato & District by Zomato: ₹350 Off Food + Monthly Movie Savings
IDFC First Bank cardholders have two separate offers through the Zomato ecosystem this month. A food and dining discount applies on the Zomato and District apps for select cardholders, while a separate movie ticket benefit on the District app is available to all IDFC First Bank cardholders once a month.
₹350 Flat Off on Zomato / District Food Orders
- Minimum order value: ₹3,500
- Valid: 1st May – 31st May 2026
- Eligible cards: IDFC First Millennia, SWYP, and Classic credit cards Millennia / SWYP / Classic
25% Off on Movie Tickets — Up to ₹100 (District by Zomato)
- Frequency: Once per month per cardholder
- Eligible cards: All IDFC First Bank Credit Cards
- How to use: Book movie tickets on the District by Zomato app → pay with your IDFC First Bank card
BookMyShow: Buy 1 Get 1 on Movie Tickets
The BookMyShow Buy 1 Get 1 benefit is one of IDFC First Bank's most popular recurring perks — available twice a month to Select cardholders. Each use effectively cuts your ticket cost in half, with the complimentary ticket valued up to ₹125.
Buy 1 Get 1 on Movie Tickets — Up to ₹125 per Ticket (Select Card only)
- Benefit: Buy 1 ticket, get the 2nd free — up to ₹125 value on complimentary ticket
- Frequency: Twice per month
- Eligible card: IDFC First Select Credit Card only Select
- Note: Premium formats (IMAX, 4DX, Dolby) may have a residual charge above the ₹125 cap
💡 Zoutons Tip: The BookMyShow BOGO resets monthly — you get two separate uses per month, not just two tickets in one booking. Use the first on a weekday show (typically cheaper base ticket, so your BOGO saves proportionately), and save the second for the weekend.
Fashion & Beauty: Nykaa and Myntra (SWYP Card)
Both Nykaa and Myntra discounts are tied to the IDFC First SWYP Credit Card — the lifestyle-focused variant designed for fashion, beauty, and entertainment categories. Each benefit resets monthly and applies once per merchant.
Nykaa — 10% Off, Up to ₹500 (SWYP card)
- Minimum order value: ₹3,000
- Frequency: Once per month
- Eligible card: IDFC First SWYP Credit Card SWYP
- Best for: Skincare, makeup, or haircare hauls — build a single ₹3,000+ cart to hit the full ₹500 saving
Myntra — 10% Off, Up to ₹350 (SWYP card)
- Minimum order value: ₹850
- Frequency: Once per month
- Eligible card: IDFC First SWYP Credit Card SWYP
- Best for: Low minimum threshold — a single apparel item above ₹850 qualifies
Travel Offers: Hotels and Flights
IDFC First Bank cardholders have active travel offers on two booking platforms this month. The Goibibo benefit is available monthly on the SWYP card with meaningful hotel and flight discounts. EaseMyTrip offers a flat 15% off on travel bookings via EMI, applicable to all IDFC First Bank credit cards.
Goibibo — 20% Off Hotels + 10% Off Flights (SWYP card)
- Hotel discount: 20% off — once per month
- Flight discount: 10% off — once per month
- Eligible card: IDFC First SWYP Credit Card SWYP
EaseMyTrip — 15% Off on Travel via EMI
- Applicable on: Domestic and international flights, hotel bookings
- Payment mode: EMI transactions only
- Eligible cards: All IDFC First Bank Credit Cards
- How to use: Book on EaseMyTrip → choose EMI payment with IDFC card → discount applied automatically
💡 Zoutons Tip: EMI travel offers deliver more value on higher-value bookings. A 15% discount on a ₹15,000 international flight saves ₹2,250 — but factor in any applicable processing fee before choosing EMI over a full payment.
All Active Offers at a Glance — May 2026
Quick reference table for every verified IDFC First Bank credit card offer running this week. Use this to decide which offers to action based on your card variant and spending plans.
| Merchant | Offer | Max Saving | Min Spend | Card Required | Valid Until |
|---|---|---|---|---|---|
| Croma (EMI) | 7.5% instant discount | ₹7,500 | ₹5,000 | All IDFC CC | 30 Jun 2026 |
| Croma (Monday) | 5% instant discount | ₹1,500 | ₹10,000 | All IDFC CC | Every Mon, May |
| EazyDiner | ₹400 flat off | ₹400 | ₹4,000 | IndiGo, Ashva, Mayura | 31 May 2026 |
| Swiggy Instamart (EMI) | 5% off | ₹2,000 | ₹3,000 | All IDFC CC | 31 May 2026 |
| Swiggy Instamart (Thu) | ₹75 flat off | ₹75/week | ₹999 | All IDFC CC | Every Thu, May |
| Zomato / District | ₹350 flat off | ₹350 | ₹3,500 | Millennia, SWYP, Classic | 31 May 2026 |
| District (Movies) | 25% off up to ₹100 | ₹100/month | — | All IDFC CC | Ongoing monthly |
| BookMyShow | Buy 1 Get 1 (up to ₹125) | ₹250/month | — | IDFC First Select | Ongoing monthly |
| Nykaa | 10% off | ₹500/month | ₹3,000 | IDFC First SWYP | Ongoing monthly |
| Myntra | 10% off | ₹350/month | ₹850 | IDFC First SWYP | Ongoing monthly |
| Goibibo Hotels | 20% off | Varies | — | IDFC First SWYP | Ongoing monthly |
| EaseMyTrip | 15% off via EMI | Varies | Varies | All IDFC CC | Ongoing |
⚡ Bottom Line
If you hold any IDFC First Bank credit card, the Croma EMI offer (7.5% up to ₹7,500) is the highest-value active deal for May — useful for anyone planning an electronics purchase before the end of June. For everyday spending, the Thursday Swiggy Instamart offer and monthly District movie benefit apply to all card variants with no special requirements. SWYP cardholders get the widest merchant coverage, stacking Myntra, Nykaa, and Goibibo hotel benefits on top of the universal offers.
How to Get the Most from Your IDFC First Bank Card This Month
Knowing the offers is only half the equation. These practical moves will help you actually extract the maximum value from your card in May.
- Time Croma purchases for Mondays. The 5% Monday non-EMI offer only runs on four Mondays in May (5th, 12th, 19th, 26th). If you're planning a smartphone or tablet buy, shift it to a Monday for an instant ₹1,500 saving — no EMI required.
- Use all your movie channels separately. The District by Zomato 25% movie discount and the BookMyShow BOGO (Select cardholders) are on different platforms and don't conflict. Select card holders can use both in the same month.
- Consolidate Swiggy Instamart orders on Thursdays. Instead of ordering groceries multiple times a week, group your household needs into a single Thursday order. The ₹75 flat off applies every Thursday — four times in May equals ₹300 in grocery savings from a single recurring habit.
- SWYP card compounds well for lifestyle spenders. Nykaa 10% + Myntra 10% + Goibibo hotel 20% + Zomato ₹350 adds up to meaningful recurring monthly savings for anyone spending regularly in these categories. The SWYP card is specifically structured for this spending profile.
- Check the IDFC First Bank app before every major purchase. Merchant offers rotate and some are added mid-month. The app's offers section updates in real time — a two-minute check before any significant transaction is a worthwhile habit.
Frequently Asked Questions
Are all IDFC First Bank credit card offers valid on all card variants?
No. Some offers are universal across all IDFC First Bank credit cards — the Croma EMI discount, Swiggy Thursday offer, District movies benefit, and EaseMyTrip deal fall into this category. Others are card-specific: the BookMyShow BOGO is exclusively for the Select card, the EazyDiner ₹400 offer applies only to the IndiGo, Ashva, and Mayura variants, and the Nykaa, Myntra, and Goibibo offers are tied to the SWYP card. Always verify eligibility against your specific card before making a purchase.
Where do I check all current IDFC First Bank credit card offers?
The most reliable sources are the IDFC First Bank mobile app (Offers section) and the official offers page at idfcfirst.bank.in/credit-card-offer. The app is preferred because it shows personalised offers filtered by your specific card variant, which is more accurate than browsing the full merchant offers list. Offers are updated throughout the month, so check before any significant purchase.
Can I combine two IDFC First Bank credit card offers on a single transaction?
Generally, no. IDFC First Bank's standard terms state that no two offers can be clubbed together on the same transaction. However, reward points accrual typically continues alongside a merchant discount. For example, using the Croma 7.5% EMI offer will also earn you your usual reward points on the transaction — the restriction applies to combining two merchant discount offers, not reward accumulation.
Do the Croma EMI and Monday non-EMI offers work on the same purchase?
No — they are mutually exclusive because they require different payment modes. The 7.5% offer requires an EMI transaction; the 5% Monday offer is explicitly for full-swipe non-EMI payments. If your purchase is above ₹10,000 and you're shopping on a Monday, compare the two: on a ₹20,000 purchase, the 7.5% EMI option saves ₹1,500 while the 5% non-EMI saves ₹1,000 — so the EMI route wins above roughly ₹14,000.
Is the IDFC First SWYP Credit Card worth getting specifically for these lifestyle offers?
The SWYP card is designed for urban shoppers who spend regularly on fashion, beauty, food delivery, and travel. If Myntra, Nykaa, and Goibibo are part of your regular monthly spending, the combined category benefits can comfortably offset the card's annual fee multiple times over. The Myntra benefit alone (₹350/month) adds up to ₹4,200 a year. For electronics-focused spenders, the universal Croma EMI offer doesn't require the SWYP card, so the added value depends on whether you use the lifestyle categories regularly.
Are IDFC First Bank credit card offers available on the merchant app or website both?
This varies by merchant. The EazyDiner offer specifically requires payment through the EazyDiner app. The Swiggy Instamart and Zomato offers are accessible via their respective apps. Croma offers work on both Croma.com and physical Croma stores. For most offers, the IDFC First Bank app's merchant offer page will specify whether the discount applies online, in-app, in-store, or across all channels.
Prices and offer details listed are based on publicly available information as of 16 May 2026, and are subject to change without notice. Always verify current offer terms directly on the IDFC First Bank official website, mobile app, and the respective merchant platforms before completing a purchase. Offer validity, minimum spend requirements, and card eligibility may be updated by IDFC First Bank or its merchant partners at any time. Zoutons is an independent deals and information platform and does not represent IDFC First Bank or any of its merchant partners.
