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Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account NowEnjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card
Apply NowGet the assured, FD-backed FIRST Ea₹n Credit Card
Apply NowNo Joining Fee | No Annual Fee
Choose a gift voucher worth ₹500 from brands like Amazon, BigBasket, and Uber, on spending ₹5,000 or more within 30 days of card issuance Know More
Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days of card issuance Know More
Enhance your travel experience with 2 complimentary visits to domestic airport lounges every quarter
• Click here for available lounges
• Tired of long queues? Book your lounge visit in advance and fast-track your entry
• Need assistance for advance booking/checking your available quota? – Click here for knowledge guide
Disclaimer: Spend ₹20,000 in the current calendar month to avail the benefit in the next month.
Last-minute change of plans? Get reimbursed up to ₹10,000 on non-refundable hotel and flight cancellations
• 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.
• For more details and to know more about the claim process.
Enjoy 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe
• India Golf Program Know More
o 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month)
o 12 complimentary golf lessons per calendar year (1 lesson per calendar month)
• APAC Golf Program Know More
o 50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka, and Taiwan
above ₹2,500 on the bank’s OTP page
starting at just 9% per annum
Effective 20th February 2025, APR range will start from 8.5% per annum.
from ATMs for up to 45 days *one-time cash withdrawal fee of ₹199 + GST applicable
on incremental spends above ₹20,000 per month and spends done on your birthday.
on spends till ₹20,000 in a statement cycle
on Insurance premium payments and Utility bill payments
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education and Wallet Load transactions will earn 3X reward points. These transactions will not be counted towards 10X spends milestone.
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Insurance and utility transactions will not be counted towards 10X spends milestone.
Lifetime-free credit card!
Convert all transactions above ₹2,500 into EMIs
Every deal gets sweeter with the FIRST Select Credit Card
Joining and Annual Fees
Forex Markup
on international transactions
Cash Withdrawals
Across domestic and international ATMs
Unlock amazing benefits with the IDFC FIRST Mobile Banking app
Log into the IDFC FIRST Mobile App
Visit Travel and Shop
Click Hotels or Flight booking
Sweeter benefits await
Manage Your Card:
Access your virtual credit card, view transaction details, e-statements, and outstanding amounts seamlessly.
Control Usage:
Instantly manage your credit card settings, including online, contactless, and international transactions, or set/reset your card PIN.
Convenient Repayments:
Pay your credit card bill effortlessly through multiple options or set up autopay for hassle-free repayments.
Exclusive Offers:
Discover curated merchant offers and redeem your Reward Points for exciting deals.
Learn all about credit cards
The FIRST Select Credit Card offers numerous perks - travel, rewards and UPI convenience, with zero annual fees.
Unlock premium benefits of the FIRST Select Credit Card by meeting some simple eligibility criteria.
Important steps to take to prevent your credit card from getting declined when you travel abroad.
All
Fee and Card Usage
Redesigned Card
Benefits
Airport Lounge
CFAR
Credit Limit
Reward Points
There are no Joining/ Membership/ Annual fees applicable on the FIRST Select Credit Card.
IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 9% to 42% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.
Effective 20th February 2025, APR range will be revised to 8.5% - 46.2% per annum
Yes, you can! All ATM cash withdrawals are completely interest-free for up to 48 days – in India or abroad. Please keep in mind, however, that a Cash Advance Fee of ₹199 + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.
Net Banking
Pre-login
• Click on Generate Credit Card PIN on the pre-login page [https://my.idfcfirstbank.com/login]
• Enter your Customer ID and Credit Card number and click on Get OTP
• Verify using the OTP sent on your registered mobile number
• Enter and Re-enter a PIN of your choice and click on confirm
• Your Credit Card PIN is set
Login
• Login to your Net Banking account
• Select Credit Cards
• Select Set new PIN
• Enter and Re-enter a PIN of your choice and click on Get OTP
• Please verify using the OTP sent to your registered mobile number
• Your Credit Card PIN is set
Mobile Banking App
Pre-login
• Select the browse icon from the top menu on the login page
• Enter your Customer ID and Credit Card number and click on Get OTP
• Verify using the OTP sent to your registered mobile number
• Enter and Re-enter a PIN of your choice and click on Confirm
• Your Credit Card PIN is set
Login:
• Login to Mobile Banking App
• Access the Credit Card section
• Select Set new PIN
• Enter and Re-enter a PIN of your choice and click on Get OTP
• Your Credit Card PIN is set
Customer Care:
• Dial our Customer Care and follow the instructions to generate the PIN
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
After activating the card, you must spend ₹5,000 or more within 30 days to be eligible for a ₹500 Gift Voucher from one of our partner brands.
The FIRST Select Credit Card comes with benefits like discounts on 300+ brands, movie tickets, and complimentary airport lounge access, among others. The full list of benefits is mentioned above.
For brand offers, please visit https://idfcfirstrewards.poshvine.com/offers
The FIRST Select Credit Card offers one of the lowest forex markups in the industry at just 1.99%. Spend seamlessly while travelling abroad, as well as on international purchases made from India.
The FIRST Select Credit Card offers a Buy-One-Get-One deal on movie tickets purchased on the District app by Zomato, with a discount of up to ₹125 on the second ticket. The offer is valid twice a month.
Yes, the FIRST Select Credit Card offers:
- 2 complimentary visits per quarter to lounges and spas at domestic airport terminals in India.
The lounge benefit can be availed in the next calendar month on spending ₹20,000 or more in the current calendar month.
You can also book an airport lounge visit by clicking here
You can activate your complimentary lounge visits in the next month by spending a minimum of ₹20,000 in the current calendar month.
For e.g., Meet the spend criteria between 1st to 31st Jan 2024 to activate the benefit in Feb-2024.
You can still utilize the remaining quota of lounge visits for the quarter by spending in the current month and avail the benefits in the last month of the quarter. There will be no carryover of the quarterly quota.
a. You can check your lounge activation status on www.dreamfolks.in
b. IDFC FIRST Bank will inform customers via email in the first week of every month
a. You will be eligible for CFAR If you have made at least 1 transaction on your IDFC FIRST Select Credit Card in the calendar month preceding the start of the policy period. For example, spends in June 2023 will make you eligible for policy period 1st July 2023 till 30th April 2024.
b. IDFC FIRST Bank will inform all customers at the start of the policy
Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.
For availing the CFAR benefit, both bookings and cancellations must be made within the policy period.
CFAR is a complimentary benefit offered to select IDFC FIRST Credit Card holders at no additional cost.
As this is a complimentary benefit available to select customers, coverage will be applicable as per the specified terms and conditions.
Both refundable and non-refundable flight tickets are eligible for claims under CFAR. However, only the non-refundable portion of the ticket will be reimbursed to you.
You can make a CFAR claim only twice in a policy period. No further claims are covered.
If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.
If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. However, the limit will be shared across all unsecured credit cards.
Yes. You will earn:
- 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday
- 3X reward points on spends up to ₹20,000 in a statement cycle
- 3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions
- 1 reward point on utilities and insurance transactions
The reward points you earn stay with you forever, as long as the card is active.
Categories not included in the 10X Reward Points threshold, include Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load. Reward points will not be earned on spends converted to EMI, Cash Withdrawal, Fuel, Fee, and Charges.
1X equals 1 reward point for every ₹150 spent in a transaction. The value of 1 reward point is ₹0.25.
Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges.
Only transactions settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited in the next statement generation.
You can use your Reward Points while paying online or while shopping at a store. Just choose the option to pay with points. You can also redeem your Reward Points on amazing offers at www.idfcfirstrewards.poshvine.com
There will be a redemption fee of ₹99 + GST on every reward redemption transaction
There is no expiry date on the Reward Points accrued on your IDFC FIRST Select Credit Card. You can use your Reward Points whenever you want, as long as your card is active.
The reward points will get credited upon statement generation.
Our new design is inspired by our customers, their journey, milestones, and memories. This new design is applicable only to new cards issued from December 24, 2024 onwards. The applicable privileges and benefits remain unchanged.
Please note: All existing FIRST Select Credit Cards will continue to be valid for use.