• 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 Credit Card

It's time for you to experience a premium lifestyle. The FIRST Select Credit Card comes with a superior rewards program, travel perks and round-the-year offers, trip cancellation cover up to Rs.10,000^, no annual fees, and low interest rates. Get 4 complimentary Domestic airport lounge visits* per quarter with your FIRST Select Credit Card across all major domestic airports to ensure you travel in style. With no annual fees, no joining fees and no expiry on reward points, the FIRST Select Credit Card makes it easy to enjoy a life of luxury and relaxation.

With IDFC FIRST Select Credit Card, you can enjoy incredibly low markup fees on international transactions and ensure a hassle-free trip. Take advantage of our best-in-class features and extensive online shopping benefits.

*On minimum monthly spends of Rs.5000
^For eligible customers only

Eligibility* : Annual income of ₹ 12 Lacs or more

*Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.

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, EMI transactions & Cash withdrawals.

Rental and Property management transactions will earn 3X reward points. However, such transactions will not be a part of 10X reward program and 10X threshold calculations.

Effective 21st August 2023, Insurance premium payments have been added to the reward program and will earn 1x rewards, Utility bill payments will now earn 1x reward points. However, such transactions will not be a part of 10X reward program and 10X threshold calculations.


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 + GST 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.

How can I avail my complimentary Lounge / Spa benefit?

Do I need to spend Rs.5000 every month to activate my Lounge / Spa benefit?

I have utilized only one lounge benefit this quarter and did not qualify in the previous month, would I still be able to utilize my remaining lounge benefit for the quarter?

I have used lounge/Spa benefits only twice this quarter. Can I use the balance two in the next quarter?

How do I know if I have activated my lounge benefit in any month?

Does the spend criteria also apply to Railway Lounge access?

How do I know if I am eligible for CFAR?

Will I have to transact every month for this benefit?

Can I cancel my booking booked during policy period post 30th April 2024?

Will I have to pay any additional amount for CFAR benefit?

Can I increase my coverage offered under CFAR?

What kind of flight tickets are eligible for claims under CFAR?

I have claimed up to INR 5000 in my last two claims and have another INR 5000 left in my cover, will you allow me to claim the same in my next claim?

More FAQs