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Customer care hotline Call 1800 10 888
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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.
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Lifetime Free
Earn up to 3X
Reward Points
on UPI Spends
Already have the FIRST Select Credit Card?
Maximise your lifestyle with the
FIRST Select Credit Card
Convenience at your fingertips
Instant EMI conversion for all online transactions
above ₹2,500 on the bank’s OTP page
Low interest rates(APR)
starting at just 8.5% per annum
Interest-free* cash withdrawals
from ATMs for up to 45 days *one-time cash withdrawal fee of ₹199 + GST applicable
Activate UPI at just ₹199
Joining and Annual fee (2nd year onwards) of just ₹199 + GST
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Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
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Earn up to 3X reward points on your spends
Never-expiring reward points
10X Reward Points
on incremental spends above ₹20,000 per statement cycle and spends done on your birthday.
3X Reward Points
on spends till ₹20,000 in a statement cycle
1X Reward Points
on Insurance premium payments and Utility bill payments
This card is perfect for you because...
Fees and charges
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Joining and Annual Fees
NIL
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Interest rates /Annual Percentage Rate (APR)
From 8.5% - 46.2% per annum
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Forex Markup
on international transactions
1.99%
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Cash Withdrawals
Across domestic and international ATMs
0% Interest for up to 45 days ₹199 + GST per transaction
Click here for more details
Get added benefits on Flight and Hotel bookings
Unlock amazing benefits with the IDFC FIRST Mobile Banking app
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Say goodbye to convenience fees on all flight bookings (no conditions)
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20 bonus Reward Points for every ₹100 spent on hotel bookings
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Exclusive deals enjoy attractive airfares and hotel prices
How to book your flights and hotels
Deals you can't miss
Sweeter benefits await
Your go-to app for managing all your Credit Card needs
Install Now
Enjoy India’s #1 Mobile Banking App
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.
FinFIRST Blog
Learn all about credit cards
Advantages of the FIRST Select Credit Card
The FIRST Select Credit Card offers numerous perks - travel, rewards and UPI convenience, with zero annual fees.
FIRST Select Credit Card eligibility requirements
Unlock premium benefits of the FIRST Select Credit Card by meeting some simple eligibility criteria.
How to avoid credit card declines while traveling abroad
Important steps to take to prevent your credit card from getting declined when you travel abroad.
Answering all your questions
All
Fee and Card Usage
Redesigned Card
Benefits
Airport Lounge
CFAR
Credit Limit
Reward Points
Is there a Joining/ Membership/ Annual fee on the IDFC FIRST Select Credit Card?
There are no Joining/ Membership/ Annual fees applicable on the FIRST Select Credit Card.
What is the interest rate(APR) on my credit card?
IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 8.5% to 46.2% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.
Can I use my Credit Card to withdraw cash at an ATM?
Yes, you can! All ATM cash withdrawals are completely interest-free for up to 45 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.
How do I generate my credit card PIN?
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
Will I be asked for my Credit Card PIN at every POS terminal, both domestic and international?
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.
What is the joining benefit on the FIRST Select Credit Card?
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.
What are the offers available on the FIRST Select Credit Card?
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
What is the forex mark-up on the FIRST Select Credit Card?
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.
What movie offers are available on the FIRST Select Credit Card?
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.
Can I avail complimentary airport lounge visits on the FIRST Select Credit Card?
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
Do I need to spend ₹20,000 every month to activate my lounge benefits?
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.
I have utilized only one lounge visit this quarter and did not qualify in the previous month. Would I still be able to utilize my remaining lounge visits for the quarter?
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.
How do I know if I have activated my lounge benefit in any month?
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
How do I know if I am eligible for CFAR?
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
Will I have to transact every month to avail CFAR benefit?
Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.
If I have made a booking during the policy period and I cancel the booking after the policy period, can I still avail the CFAR benefit?
For availing the CFAR benefit, both bookings and cancellations must be made within the policy period.
Will I have to pay any additional amount for CFAR benefit?
CFAR is a complimentary benefit offered to select IDFC FIRST Credit Card holders at no additional cost.
Can I increase my coverage offered under CFAR?
As this is a complimentary benefit available to select customers, coverage will be applicable as per the specified terms and conditions.
What kind of flight tickets are eligible for claims under CFAR?
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.
I have claimed up to ₹5,000 in my last two claims and have another ₹5,000 left in my cover, will you allow me to claim the same in my next claim?
You can make a CFAR claim only twice in a policy period. No further claims are covered.
What will be my credit limit?
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.
Will I earn reward points for every spend?
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.
Are there any exclusions for earning 10X reward points?
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.
How can I redeem the Reward Points that I have earned on my card?
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
Is there an expiry date on the reward points accrued on my card?
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.
When will the reward points be credited?
The reward points will get credited upon statement generation.
Tell me more about the new design of the FIRST Select Credit Card.
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.
