FIRST Select Credit Card

Rewards, as stated by the issuer

• 10X Reward Points
• Celebrate every milestone with the perfect card
• FIRST Select Credit Card – Premium travel benefits and 10X rewards
• Up to ₹1,000 cashback on your first EMI
• Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
• Earn bonus reward points on flight & hotel bookings
• Earn Bonus Reward Points on booking flights and hotels via 'FIRST Rewards Gallery' section on IDFC FIRST Bank Mobile App
• Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
• Earn up to 3X reward points on your spends
• Elevate spends with Reward Points
• 3X Reward Points
• 1X Reward Points
• 10X Reward points
• 1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25
• Reward Points will be valid for 24 months from the date they are credited.
• Reward Points will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points.
• Earn 10X Reward Points on incremental spends above ₹20,000 per statement cycle and spends done on your birthday
• All spend categories earn 3X Reward Points; except insurance, utilities, railways, FASTag recharges, Dining, Travel and International purchases.

Other benefits

• ₹500 gift voucher from your favourite brand
• ₹500 gift voucher from choice of brands
• •This offer is applicable only on first EMI conversion within first 30 days of card generation.
• •Eligible customers will receive cashback within 90 days of the offer end date
• •If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer
• Comprehensive Insurance
• Free trip cancellation cover up to ₹10,000
• Buy-1-Get-1 movie ticket offer
• Over 300+ merchant offers
• Accident and lost card liability cover
• Comprehensive travel insurance cover
• Airport meet and greet discounts
• Airport transfer discounts
• Travel concierge at your fingertips
• Complimentary golf rounds and lessons
• • The maximum cover amount of ₹10,000 can be used for up to two claims during the policy period. The benefit can be shared between the Primary & Add On cardholders.
• Buy-1-Get-1 movie ticket offers
• ​ To avail the movie benefit in July 2026, you must have spent Rs.20,000 or more in June 2026 calendar month.

Welcome & milestones

Lounge access

Domestic: Enhance your travel experience with 1 complimentary visit to domestic airport lounge every quarter · Enhance your travel experience with 4 complimentary visits to lounges at Indian railway terminals every quarter

Railway: Complimentary railway lounge visits · Disclaimer: Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. · Explore list of eligible railway lounges

Eligibility

Every fee line found on the page

• Apply for Lifetime Free Credit Card with Lounge Access Online | IDFC FIRST Bank
• Low Forex Markup of 1.99%
• Eligibility: Annual income of ₹12 lakhs or more
• Low forex markup fee at just 1.99%
• 1% Fuel surcharge waiver
• Take advantage of lower fees for international transactions with a forex markup of just 1.99% + GST.
• • The maximum cover amount of ₹10,000 can be used for up to two claims during the policy period. The benefit can be shared between the Primary & Add On cardholders.
• Save more for your next roadtrip with a 1% Fuel Surcharge Waiver up to ₹300 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000
• Joining and Annual fee (2nd year onwards) of just ₹199 + GST
• What is lifetime free credit card to understand the meaning of this type card in detail.
• The interest rate on your IDFC FIRST Select Credit Card ranges from 8.5% to 46.2% per annum. The actual APR applied depends on your credit score, repayment history, and usage pattern. Maintaining responsible usage and timely repayments can help you secure a lower applicable interest rate.
• The IDFC FIRST Select Credit Card charges a low forex markup of just 1.99% on international transactions. This makes overseas travel and foreign online purchases more affordable.
• Lifetime free Credit Card