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For Loan Accounts
For Wholesale Accounts
Eligibility* : Annual income of ₹ 12 Lacs or more
Unmatched features, crafted for your evolving lifestyle! This lifetime-free card comes packed with travel benefits like complimentary domestic airport lounge access, low forex mark-up, and assured trip cancellation cover.
Get up to 10X never-expiring Reward Points, buy-one-get-one on movie tickets, and year-round offers from top brands.
*Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.
Some of the Credit Card features have been revised, effective 1st May 2024. To view the list of revised features, Click here
Unlimited & never expiring Reward Points
1X Reward Points on Insurance premium and Utility bill payments
Use Reward points to instantly pay for online or in-store purchases
3X Reward Points on rental and property management transactions
1X = 1 Reward Point per ₹150 spent| 1 Reward point = ₹0.25
Categories not included in the 10X Reward Points threshold: Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load.
Reward Points program not applicable on fuel, EMI transactions, & cash withdrawals.
Reward redemption will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption.
First-in-class features.
Designed to delight, year after year.
Welcome voucher worth ₹500 on spending ₹5000 or more within 30 days of card generation.
5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
Joining benefits are not applicable on upgrade of credit card and add-on cards.
'Buy One, Get One' offer on movie tickets up to ₹125 on Paytm mobile app (valid twice per month)
300+ Brand Offers, all year long! | Up to 20% discount at 1500+ restaurants | Explore all offers
2 complimentary Domestic airport lounge visits per quarter, on spending ₹20,000 every month.
a.List of Eligible Lounges
b.Check number of available visits:Click here
4 complimentary railway lounge visits per quarter
Cancellation For Any Reason (CFAR) insurance: Cancellation cover for up to 2 claims up to ₹10,000, will be available for hotel and flight booking cancellations. Click here for details
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
Limo Service Airport Pick Up and Drop - Book a ride for friends, family, or any beneficiary of your choice at over 50 locations around the world. Click here
Airport Meet & Assist - Cardholders will be assisted through the airport with all aspects of their departure and arrivals. Click here
Golf Program - 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year (not more than 1 round / lesson in a single calendar month). Click here
Complimentary Roadside Assistance worth ₹1,399
1% Fuel Surcharge Waiver up to ₹300 p.m. at all fuel stations across India, on transaction values between ₹200 & ₹5000
Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹5,00,000 and Lost Card Liability Cover of ₹50,000.
Valid on completing at least one transaction on FIRST Select Credit Card in last 30 days
Comprehensive Travel Insurance Cover of ₹22,500#
##Loss of Checked-in Baggage- USD 100; Delay of Checked-In Baggage USD 67. Loss of Passport and other documents – USD 67; Delay in Flight – USD 67
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
Zero Joining Fee and Annual Fee
Low Forex Markup of 1.99% on international transactions
Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)
Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)
Interest free cash withdrawals on domestic and international ATMs for up to 48 days (Cash Advance Fee of only ₹199 + GST per transaction)
OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550
Reward Points redemption fee of ₹99 + GST will be applicable per redemption transaction
Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction
Utility Payments Surcharge – Payments over ₹20,000 towards utilities (Electricity, Gas, Telecom, etc.) in a statement cycle will attract 1% surcharge on all spends on utilities.
Explore our various online credit card payment options.
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 are no Joining/ Membership/ Annual fees applicable on the FIRST Select Credit Card.
You can directly use your Reward Points to pay for online purchases 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 idfcfirstrewards.poshvine.com
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, without the fear of losing them.
The IDFC FIRST Bank Select Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.
For brand offers, you can visit the offers website
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! All ATM cash withdrawals are totally interest-free for up to 48 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.
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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.
You can activate your complimentary lounge visits in the next calendar month by spending a minimum of ₹20,000 in the current calendar month. Once your lounge benefits have been activated, use your Credit Card at the airport lounge counter.
For e.g., Meet spend criteria between 1st to 31st Jan 2024. Benefit activated for Feb-2024.
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 spend criteria between 1st to 31st Jan 2024. Benefit activated for Feb-2024.
The spends condition stands revised from 1st May 2024. ₹5,000 spends in March 2024 will unlock access in April 2024. ₹20,000 must be spent in April 2024 to get complimentary access in May 2024.
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.
You can check your lounge activation status on www.dreamfolks.in .
To know more about the process to check the status, please visit our website > Credit cards > First Wealth Product Page > benefits & Privileges > Privileges
The spend criteria is not needed for railway lounge access.
a. You will be eligible for CFAR If you have done minimum 1 transaction on your IDFC FIRST Wealth / Select Credit Card in the calendar month preceding the start of the policy period. E.g spends in June 2023 will make you eligible for policy period 1st July 2023 till 30th April 2024.
b. IDFC FIRST Bank will intimate all customers at the start of the policy
Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.
For availing CFAR benefit, both bookings and cancellations must be within the policy period.
CFAR is a complimentary benefit offered to select IDFC FIRST Credit cardholders basis qualification criteria. No additional payment will be charged for the same
As this is a complimentary benefit available to select customers, coverage shall be applicable as per the specified terms & conditions.
Refundable and non-refundable flight tickets are eligible for claims under CFAR. However, only the non-refundable portion of the ticket shall be reimbursed to you.
You can claim only twice in a policy period. No further claims are covered.