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Every month, IDFC FIRST Bank quietly refreshes a fairly generous stack of credit card partner offers — and May 2026 is no exception. The bank has structured this month's deals as a day-wise calendar: a different merchant partner gets the spotlight on each day of the week, from Croma on Mondays to Zomato and Redbus on weekends. On top of the daily schedule, there are standing offers on travel, dining, fuel, and entertainment that run through the entire month.
We've gone through the full May 2026 offer sheet and laid out every deal worth tracking — including which card type you need to unlock each one, the exact discount caps, the minimum spends, and the days each offer fires. Whether you're planning a gadget purchase, a restaurant dinner, a weekend getaway, or simply filling up at HPCL, this is the complete picture for May.
Offer period: 1 May – 31 May 2026 (day-specific deals repeat every week)
Eligible cards: Most offers apply to all IDFC FIRST Bank credit cards. Premium dining offers require the Private or Gaj card. Fuel offers require the HPCL Power / Power+ / Power RuPay card.
How to activate: Offers are automatically applied at checkout when you pay with your IDFC FIRST Bank credit card on the eligible day. No registration required for most deals — exceptions are noted below.
Key rule: Day-specific offers are valid once per transaction on the stated day only. Monthly caps apply — check the Offers section on idfcfirstbank.com before use.
The Day-by-Day Offer Calendar — May 2026
The centrepiece of IDFC FIRST Bank's May structure is a rotating daily deal — one partner per weekday, two partners on weekends. Here's the full schedule, valid every week from 1 to 31 May:
| Day | Partner | Offer | Min. Order | Cap |
|---|---|---|---|---|
| Monday | Croma | 5% off on electronics & appliances | ₹10,000 | Up to ₹1,500 |
| Tuesday | TIRA (Beauty) | 10% off on beauty & skincare | ₹1,999 | Up to ₹300 |
| Wednesday | Tata CLiQ | 12% off on fashion, electronics | ₹3,000 | Up to ₹500 |
| Wednesday | Tata CLiQ Luxury | 12% off on luxury brands | ₹10,000 | Up to ₹1,500 |
| Thursday | Swiggy Instamart | Flat ₹75 off on groceries | ₹999 | ₹75 flat |
| Friday | Zepto | Flat ₹100 off on quick delivery | ₹999 | ₹100 flat |
| Sat & Sun | Zomato | Flat ₹75 off on food orders | ₹749 | ₹75 flat |
| Sat & Sun | Redbus | 10% off on bus tickets | ₹1,000 | Up to ₹500 |
💡 Making the Most of the Weekly Calendar
- Wednesday is the high-value day. Tata CLiQ + Tata CLiQ Luxury both fire on Wednesday. If you're buying something above ₹10,000, the Luxury portal can save you ₹1,500 in one transaction.
- Stack Fridays with grocery runs. The Zepto ₹100 flat off (min ₹999) is one of the cleanest deals on the calendar — no percentage guesswork, just ₹100 off every Friday.
- Plan electronics on Mondays. Croma's 5% offer (up to ₹1,500) is the most impactful for large-ticket items. A ₹30,000 air conditioner on a Monday saves ₹1,500 instantly.
Shopping & Retail Offers in Detail
Croma — Every Monday
The Croma offer targets big-ticket purchases: 5% off up to ₹1,500 on a minimum cart of ₹10,000. It covers Croma's full sitewide catalogue — air conditioners, refrigerators, laptops, televisions, kitchen appliances, and small electronics. Summer buying season makes this timing particularly useful; AC and cooler purchases are at their peak in May. The maximum saving of ₹1,500 kicks in at a ₹30,000 cart. Beyond this, the percentage savings plateau.
Tata CLiQ & Tata CLiQ Luxury — Every Wednesday
Tata CLiQ's 12% offer is the strongest percentage discount in the weekly calendar. The standard CLiQ portal saves you up to ₹500 on a minimum ₹3,000 order — which means it's fully realised on a ₹4,200+ purchase. For the CLiQ Luxury portal, the cap rises to ₹1,500 on a minimum ₹10,000 order, making it highly attractive for branded clothing, watches, handbags, and premium footwear from labels like Tommy Hilfiger, Hugo Boss, and Michael Kors.
TIRA — Every Tuesday
TIRA (Tata's beauty platform) sees 10% off up to ₹300 on a minimum order of ₹1,999. This is the right day to stock up on skincare, haircare, fragrances, and makeup from premium labels. The offer works well for combo buys — a moisturiser + sunscreen order of ₹2,000–₹3,000 hits the sweet spot for the full ₹300 saving.
Grocery & Quick Commerce Offers
Swiggy Instamart
On grocery & household orders above ₹999. Up to 10% off with a maximum of ₹150 per order on IDFC FIRST cards. Repeat weekly, all month.
Zepto
On quick commerce orders above ₹999. Flat discount — no percentage calculation. Not valid on Myntra Co-brand or IndiGo co-brand cards.
Between Thursday Swiggy Instamart and Friday Zepto, IDFC FIRST Bank cardholders can save ₹175 per week on groceries alone — ₹700 across four weeks of May — by timing their replenishment runs to match the respective days. Both apps stock similar categories (staples, dairy, produce, personal care), so splitting runs is practical.
Dining Offers — Zomato, District & EazyDiner
Zomato — Weekends (Sat & Sun)
The Zomato food delivery offer — flat ₹75 off on orders above ₹749 — fires every Saturday and Sunday in May. This is separate from the Zepto and Swiggy deals and is specifically for Zomato food orders (not Instamart). The low minimum order threshold (₹749) makes it accessible for most restaurant meals. For cardholders on select variants like Millennia and SWYP, there's also a flat ₹350 off on District (Zomato's restaurant booking and events app) on orders above ₹3,500.
EazyDiner — Entire Month of May
EazyDiner is where the premium-card tier difference is most visible this month. The offer splits into two tracks depending on your card:
| Card Tier | Discount | Min. Bill | Valid Till |
|---|---|---|---|
| IDFC FIRST Private / Gaj | Flat ₹1,000 off | ₹5,000 | 31 May 2026 |
| Select IDFC FIRST Cards | Flat ₹400 off | ₹4,000 | 31 May 2026 |
At ₹1,000 off a ₹5,000 restaurant bill, the EazyDiner benefit for Private/Gaj cardholders represents a clean 20% discount on dining — one of the best flat-rate dining offers in the Indian credit card market this month. Even the ₹400 off on select cards is a worthwhile 10% on a ₹4,000 group dinner.
Travel Offers — Hotels, Flights & Buses
Agoda — Domestic Hotels
Up to ₹5,000 off. Min booking ₹3,000. Valid on EMI transactions only. Best for weekend getaways booked this month.
MakeMyTrip — Domestic Flights
Up to ₹1,200 off. No minimum ticket value. EMI payment required. Check the Offers section at idfcfirstbank.com for the current applicable code.
Redbus — Weekends
Up to ₹500 off on bus bookings above ₹1,000. Active every Saturday & Sunday in May 2026.
EaseMyTrip
Sitewide sale on flights, hotels, and holiday packages. Additional bank card discount available for IDFC FIRST cardholders on select bookings.
IndiGo Co-branded Card — Ongoing Perks
The IndiGo IDFC FIRST Dual Card (₹4,999 annual fee) earns IndiGo BluChips on every rupee spent — including dining, entertainment, and all daily purchases — not just IndiGo flight bookings. New cardholders receive a welcome bonus of 5,000 BluChips and a 6E Eats voucher as joining benefits. This makes the card particularly powerful for frequent IndiGo flyers who want to convert all their spending into free flights.
✈️ Travel Savings Strategy — May 2026
- Book domestic hotels via Agoda on EMI to unlock the 12% discount (up to ₹5,000). A ₹10,000+ hotel booking saves ₹1,200 instantly — enough to cover the car ride to the airport.
- Use MakeMyTrip for flights on EMI — the 12% off with a ₹1,200 cap means the full cap is realised on a ₹10,000+ round-trip booking.
- Weekend bus travel via Redbus pairs naturally with the 10% Sat–Sun offer. Both the bus booking and a Zomato order on the same day can both fire on Saturdays.
Fuel Offers — HPCL Power, Power+ & New Power RuPay Card
IDFC FIRST Bank has two established fuel cards and a newly launched RuPay variant, all targeted at HPCL fuel station users. Here's how they compare:
| Feature | Power Card | Power+ Card | Power RuPay (New) |
|---|---|---|---|
| HPCL Fuel Savings | Up to 5% | Up to 6.5% | Up to 5% (+ 1.5% via HP Pay) |
| Annual Fee | ₹199 | ₹199 | ₹199 |
| Swiggy Benefit | — | — | ₹150 off (min ₹500) |
| Welcome Cashback on 1st Fuel | ₹250 on ₹250+ spend | ₹500 on ₹500+ spend | ₹250 on ₹250+ spend |
| Roadside Assistance | — | — | 4 instances/year |
| Reward Points Expiry | Standard expiry | Standard expiry | Never expire |
| Card Network | Visa/MasterCard | Visa/MasterCard | RuPay (UPI compatible) |
The Power+ card remains the highest-return option for pure fuel savings at 6.5%. However, the newly launched Power RuPay card is the better all-rounder for someone who drives occasionally rather than daily: the never-expiring reward points, Swiggy perk, roadside assistance, and RuPay UPI compatibility make it more versatile for its ₹199 fee. Both cards are accessible to salaried applicants earning ₹25,000/month or above.
Entertainment & Lifestyle Offers
Movies via District by Zomato
IDFC FIRST Bank Millennia and EARN cardholders get 25% off on movie tickets booked through the District by Zomato app — up to ₹100 per transaction, once per month. Over a year, this adds up to ₹1,200 in free movie savings. The Select card variant offers a Buy-One-Get-One deal (up to ₹125 off the second ticket), available twice per month — effectively better for couples or pairs who see films regularly.
KidZania — 15% Off All Days
KidZania tickets booked using any IDFC FIRST Bank debit or credit card get a flat 15% off — valid both at the ticketing counter and on KidZania.in — covering weekdays and weekends. Up to 4 tickets per person per day. This is one of the few offline entertainment offers that applies seven days a week with no day restriction.
Fashion & Jewellery
Beyoung (men's and women's fashion) offers 15% off sitewide for IDFC FIRST credit cardholders, with no stated minimum. Giva (silver and gold-plated jewellery) gives ₹300 off on orders above ₹2,700. Both are standing May offers with no day restriction. Giva's offer is particularly useful if you're buying a gift — ₹300 off a ₹2,700–₹3,000 piece is effectively a free shipping and a bit more.
How to Maximise IDFC FIRST Bank Offers This Month
7 Practical Tips for May 2026
- Use one card for everything this month. Spreading spends across multiple cards dilutes the savings. If you carry an IDFC FIRST Millennia or Select, make it your primary swipe for May.
- Calendar your shopping to match offer days. Hold your Croma purchase for a Monday. Delay your Zepto grocery top-up to Friday. These small timing decisions cost nothing but stack meaningful savings.
- EMI for hotels and flights unlocks extra discounts. Both Agoda (12% off domestic hotels) and MakeMyTrip (12% off domestic flights) require EMI. If you were going to pay full anyway, converting to 3–6 month EMI to claim the discount makes financial sense — especially at 0% or low-interest EMI rates IDFC FIRST frequently offers.
- EazyDiner is the highest single-transaction saver. ₹1,000 off a ₹5,000 restaurant bill is a 20% discount — higher than most credit cards offer on dining. Private/Gaj cardholders should prioritise using EazyDiner for any group dinner this month.
- Fuel cardholders: pay via HP Pay app at HPCL pumps. The Power RuPay card gives an extra 1.5% in Payback rewards when you use the HP Pay app at HPCL stations, on top of the base 3.5% savings — pushing total returns to 5%.
- Pair District movies with BOGO on the Select card. The Buy-One-Get-One offer (up to ₹125 off the second ticket, twice monthly) is better per-visit value than the 25% cap on Millennia cards if you're watching with a companion.
- Akbar Travels for international hotel bookings. The Akbar Travels offer (12% off domestic and international hotels) works for overseas hotel bookings too — check the current applicable code on the IDFC FIRST Bank offers page before booking.
Which IDFC FIRST Bank Card to Use for Each Spend
| Spend Category | Best Card | Why |
|---|---|---|
| Electronics (Croma) | Millennia / Select | 5% off every Monday, up to ₹1,500 |
| Fuel (HPCL) | Power+ or Power RuPay | Up to 6.5% return; Power RuPay gives extra via HP Pay |
| Fine Dining | Private / Gaj | ₹1,000 off EazyDiner bills above ₹5,000 |
| Casual Dining / Food Delivery | Millennia / SWYP / Classic | ₹350 off Zomato/District (min ₹3,500) + weekend Zomato offer |
| Domestic Flights + Hotels | Select / IndiGo Card | EMI discounts on MakeMyTrip + Agoda; BluChips on IndiGo card |
| Groceries | Any IDFC FIRST CC | Zepto ₹100 off (Friday) + Swiggy ₹75 off (Thursday) |
| Movies | Select (BOGO) / Millennia (25% off) | Select = ₹125 off 2nd ticket (2x/month); Millennia = ₹100 off (1x/month) |
| Fashion (Tata CLiQ Luxury) | Select / Wealth / Private | 12% off up to ₹1,500 on CLiQ Luxury every Wednesday |
Frequently Asked Questions
Which IDFC FIRST Bank credit card gives the best everyday offers in May 2026?
For everyday spends, the Millennia and SWYP cards cover the widest range of partners — Zomato, Tata CLiQ, Zepto, Swiggy, and Redbus are all included. For fuel savings, the HPCL Power or Power+ cards give up to 6.5% back. For premium dining, the Private or Gaj cards unlock the higher EazyDiner discount of ₹1,000 off.
Are the IDFC FIRST Bank day-specific offers available every week in May?
Yes. The day-specific partner offers — Monday Croma, Tuesday TIRA, Wednesday Tata CLiQ, Thursday Swiggy Instamart, Friday Zepto, Saturday–Sunday Zomato and Redbus — repeat every week from 1 May to 31 May 2026. Each offer typically has a per-transaction or per-month cap, so check the T&C on the IDFC FIRST Bank offers page before each use.
Does IDFC FIRST Bank's May offer on Agoda require EMI?
Yes. The Agoda domestic hotel offer — 12% off up to ₹5,000 — is valid only on EMI transactions on eligible IDFC FIRST Bank credit cards. Standard (non-EMI) bookings do not receive this specific discount. Minimum booking value is ₹3,000.
What is the EazyDiner offer for IDFC FIRST Bank cardholders this month?
IDFC FIRST Private and Gaj cardholders get ₹1,000 off on EazyDiner restaurant bills above ₹5,000. Holders of select other IDFC FIRST credit cards get ₹400 off on bills above ₹4,000. Both offers are valid 1–31 May 2026 and apply at participating EazyDiner restaurants.
Is the IDFC FIRST Power RuPay Credit Card a good deal for fuel spends?
Yes, especially for regular HPCL users. The Power RuPay card offers up to 3.5% savings on HPCL fuel and LPG, plus an additional 1.5% via Payback points when you pay through HP Pay — totalling up to 5%. The annual fee is just ₹199. It also includes a ₹150 Swiggy discount, complimentary roadside assistance (4 instances per year), and never-expiring reward points.
Can I use IDFC FIRST Bank credit card offers on MakeMyTrip for international flights?
The highlighted MakeMyTrip EMI offer for May 2026 is for domestic flights. IDFC FIRST Bank cards can be used for international bookings on MakeMyTrip, but the specific EMI discount highlighted this month applies to domestic bookings only. Always check the Offers section on idfcfirstbank.com for the most current terms before booking.
See All IDFC FIRST Bank Credit Cards
Compare cards by category — travel, cashback, fuel, lifestyle — and find the one that matches your spending pattern for maximum May 2026 savings.
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