• 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.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

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


First-in-class features.
Designed to delight, year after year.

Joining benefits*

The best things in life are free. Like Our Credit Cards.


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) 


IDFC FIRST Bank Credit Card Bill Payment
Standing Instructions (e-mandates) for recurring payments
Balance Conversion into easy EMI

Frequently asked questions

Is there a Joining/ Membership/ Annual fee on IDFC FIRST Bank Select Credit Cards?

How can I redeem the reward points that I have earned on my card?

Is there an expiry date on the reward points accrued on my card?

What are the offers available on IDFC FIRST Bank credit cards?

What is the interest rate on my credit card?

Can I use my credit card to withdraw cash at an ATM?

How do I generate my credit card PIN?

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

Your Premium Life made more rewarding with your Premium Credit Card.

More FAQs