-
As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
-
-
FIRST Select
Experience what a premium card can really do. Enjoy a superior rewards program, travel perks & round-the-year offers, no unnecessary fees and lowest interest rates.
Reward Program
Your reward points, Yours to keep forever!
Easy to earn. Easy to redeem!
-
10X Reward Points on incremental spends above ₹25,000 per month and spends done on your birthday
-
6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹25,000 per month
-
Unlimited Reward points that never expire
-
Use Reward points to instantly pay for online or in-store purchases
1X = 1 Reward point per ₹125 spent | 1 Reward point = ₹0.25
Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
Rental and Property management transactions will not be a part of 10X reward program and 10X threshold calculations. However, such transactions will earn 3X reward points
Effective 1st October, 2022, a convenience fee of ₹99 (plus applicable taxes) will be levied on redemption of Reward Points
BENEFITS & PRIVILEGES
First-in-class features.
Designed to delight, year after year.
Joining benefits*
Privileges
Convenience
The best things in life are free. Like Our Credit Cards.
FEES AND CHARGES
Low on charges,
high on benefits!
-
No annual fee. Lifetime Free Credit Card
-
Low Interest Rates (APR), from 0.75% to 3.5% per month (9% to 42% per annum)
-
OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹500
-
Forex Markup at 1.99% for all international transactions
-
Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
-
Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹199 per transaction)
PAYMENTS
IDFC FIRST Bank Credit Card Bill Payment
Standing Instructions (e-mandates) for recurring payments
Balance Conversion into easy EMI
