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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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FIRST Select Credit Card
For the Select Few
All the premium features. Plus a few more.
Lifetime free card
Low interest rates
Lounge access – Airports & Railways
Terms and conditions
- I hereby apply for IDFC FIRST Bank Credit Card(s) and accept that IDFC FIRST Bank is entitled in its absolute discretion to accept or reject this application. I hereby give my consent to the Bank to provide me a different card, in case I am not eligible for the product applied for. I am aware that the Bank reserves the right not to return the supporting documents given by me along with the application.
- I confirm that I have read, understood, and agree to the MITC (Most Important Terms & Conditions, including Schedule of Charges), Key Fact Statements as well as the Cardmember Agreement, and I am aware they are available for reference on the IDFC FIRST Bank website.
- The finance (interest) rates applicable to a Cardholder depend on internal policy parameters of the Bank. These are final and binding, and subject to change at Bank’s discretion.
- I confirm that I have no insolvency proceedings pending against me nor have I ever been adjudicated insolvent.
- I authorise IDFC FIRST Bank and/or its associates to verify any information or otherwise at my office/residence or to contact me/ credit bureau/RBI or any other source to obtain or provide any information that may be required for confirming credit card application or maintaining my account in good credit standing.
- I hereby give my consent to IDFC FIRST Bank Limited for obtaining/authenticating/verifying my KYC details from CERSAI CKYC portal/ Aadhaar eKYC/ National Securities Depository Limited (NSDL)/ Any other service provider/ organisation as deemed fit by IDFC FIRST Bank Limited and permitted by Reserve Bank of India. I understand that as per directions of Government of India my KYC information will be updated by the bank in Central KYC Registry.
- The cardmember undertakes and declares that if at any time it is discovered that there are any amounts due to the Bank against any credit facility, then the Bank shall have the absolute right to hold the No Objection Certificate (NOC) against any/all such facilities, without any prior notice.
- I authorise IDFC FIRST Bank to disclose, from time to time, relevant information relating to my personal details (name, phone number, e-mail ID, address, age, date of birth and other such information), Credit Card(s) details (including any default in payments) to credit bureaus, regulator/s, government and investigation authorities, authorised financial institutions, any parent/subsidiary, Tax authorities, affiliate and associate of IDFC FIRST Bank, and to third parties engaged by IDFC FIRST Bank, for purposes such as marketing of services, fulfillment of card offers/benefits, proper operation of Credit Card accounts and other administrative services. I hereby consent and authorize IDFC FIRST Bank and/or its affiliates and associates and/or third parties engaged by IDFC FIRST Bank to send me information through WhatsApp/SMS/email alerts/post/any other way deemed fit by the Bank or/call me on my registered mobile number for the purposes of operation of the card, send Welcome Kit/monthly statements/marketing information and offers on the card and offering of various products and services of IDFC FIRST Bank through agent(s) and/or any third party(ies) or any of the product(s) of its group companies, subsidiaries, affiliates, co-brand partners.
- I hereby declare that the details furnished in the application are true and correct to the best of my knowledge and belief and I undertake to inform IDFC FIRST Bank of any changes therein, immediately. In case any of the information is found to be false or untrue or misleading or misrepresenting, I am aware that I shall be held liable for it.
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More reasons
to love our
Credit Card
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6x rewards on online transactions -
25% off on tickets once a month upto ₹100 -
Dining offers upto 20% across 1500 restaurants -
₹500 vouchers from Amazon/Ola/ Swiggy on spending 15K in first 3 months -
Earn cashback on EMI: 5% cashback up to ₹500 within 90 days -
Get yourself covered: Personal Accident cover of 2 Lakhs -
More offers: 50+ in-app discounts
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!
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10X Reward Points on incremental spends above ₹25,000 per month and spends done on your birthday
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6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹25,000 per month
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Unlimited Reward points that never expire
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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.
BENEFITS & PRIVILEGES
First-in-class features.
Designed to delight, year after year.
Joining benefits*
Privileges
Convenience
The best things in life are free. Like Our Credit Cards.
FEES AND CHARGES
Low on charges,
high on benefits!
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No annual fee. Lifetime Free Credit Card
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Low Interest Rates (APR), from 0.75% to 3.5% per month (9% to 42% per annum)
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OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹500
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Forex Markup at 1.99% for all international transactions
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Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
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Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹199 + GST per transaction)
PAYMENTS
IDFC FIRST Bank Credit Card Bill Payment
Standing Instructions (e-mandates) for recurring payments
Balance Conversion into easy EMI
