The only FASTag with triple benefits
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.
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
Designed to delight, year after year.
Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
5% cashback (up to ₹1000) on the transaction value of first EMI done within 90 days of card generation
*Not applicable for customers who have upgraded to from one IDFC FIRST Bank Credit Card variant to another variant.
'Buy one, get one' offer on movie tickets up to ₹250 on Paytm mobile app (valid twice per month)
300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |
Up to 15% discount at 3000+ Health & Wellness outlets
4 complimentary Domestic airport lounge visits per quarter
4 complimentary Railway lounge visits per quarter
Airport Meet & Greet - Enjoy discounts on Airport Fast Track immigration service at over 450 destinations worldwide. Click here
Airport Transfers -Lucrative discounts on Airport transfer limousine service across in over 3000 cities across 83 countries. Click here
Concierge - This service provides a modern, personalized experience for you to self-book your dining, staycation, flights and activities. Click here
Luxury Hotel Collection – Access to over 900 luxury hotels around the world with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others. Click here
Complimentary Roadside Assistance worth ₹1,399
Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹300/month
*Applicable only on transaction values between ₹200 & ₹5000
Air Accident Cover of ₹1crore*
Personal Accident Cover of ₹5,00,000* and Lost Card Liability Cover of ₹50,000
Comprehensive Travel Insurance Cover of ₹22,500#
*valid on doing atleast one transaction on FIRST Wealth Credit Card in last 30 days
#Loss of Checked-in Baggage- USD 500; Delay of Checked-In Baggage USD 100;
Loss of Passport and other documents – USD 300; Delay in Flight – USD 300
Convert all transactions* above ₹2,500 into easy & convenient EMIs on your mobile app
Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page
Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*
*Eligibility norms apply
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)
View your standing instructions (recurring payments) set at various merchants here and modify/ cancel them effortlessly.
Now convert your outstanding balance into easy EMI with flexible tenure of 3 - 18 months
There is no joining/membership/annual fee applicable on any of the IDFC FIRST Bank Select Credit Cards.
You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at idfcfirstrewards.poshvine.com.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card. You can use your reward points as and when you like without the fear of losing them.
IDFC FIRST Bank Select Credit Cards are loaded with a host of select card benefits, offers & features. Some of them are listed below and may be applicable as per the card variant available with you:
• Lifestyle benefits – Discounts on shopping, dining and movies, complimentary round of golf every month, among others.
• Travel benefits – Complimentary airport lounge access.
• Other benefits – Various in-app online discounts, reward programs, discounts on health and wellness outlets, and so on.
IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 42% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.
Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 48 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only ₹250 is applicable per transaction, irrespective of where you are or the amount you withdraw.
Mobile Banking App
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.
Your FIRST Select Credit Card enables you to earn up to 10X rewards every month. Here’s how;
• For every ₹100 spent by swiping the FIRST Select Credit Card, you will earn 3 reward points
• For every ₹100 spent on any purchases made online, you will earn 6 reward points
• And you will earn 10 reward points for all spends done over and above ₹20,000
• Additionally, your birthday’s are just as special for us as they are for you. With IDFC FIRST Select Credit Card you earn 10 reward points on every ₹100 spent on your birthday.
All this and still the BEST PART is yet to come.
The reward points NEVER EXPIRE
All your REWARD REDEMPTIONS are FREE
Moreover, you can choose to DIRECTLY PAY USING REWARD POINTS at any shopping site and at select merchant outlets.
Enjoy the privilege of owning the best rewards credit card out there!
*Reward Points earning and 10X threshold not applicable for Fuel, EMI, Insurance transactions and Cash Withdrawals.