FIRST Millennia
FIRST Classic
FIRST Select
FIRST Wealth


  • Happy Teachers' Day! Thank you for teaching us the value of Savings

  • Home Loans, now at 6.90% p.a.

    Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans

    Home Loan
  • 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 ₹20,000 per month and spends done on your birthday
  • 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
  • Unlimited Reward points that never expire

  • Use Reward points to instantly pay for online or in-store purchases

  • No fees for redeeming Reward points

1X = 1 Reward point per ₹100 spent | 1 Reward point = ₹0.25

Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals


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

  • No over-limit fee

  • Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹ 250 per transaction) 

  • No reward-redemption fee

  • Low Interest Rates (APR), from 0.75% to 3.0% per month (9% to 36% per annum)

  • Forex Markup at 1.99% for all international transactions

  • Late Payment Fee: 15% of total amount due
    (subject to Min ₹100 and Max up to ₹1,000)

Frequently asked questions

What are the eligibility criteria to apply for an IDFC FIRST Bank Credit Card?

Is there a Joining/ Membership/ Annual fee on IDFC FIRST Bank 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 current 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?

More FAQs