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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
  • 10X Never Expiring Rewards

FIRST Select Credit Card

Celebrate every milestone with the perfect card

#MakeMomentsCount

FIRST Select Credit Card - Credit Card for Lounge Access:

Low Forex Markup of 1.99%

on international transactions

Earn up to 3X
Reward Points
on UPI Spends

Already have the FIRST Select Credit Card?

Eligibility: Annual income of ₹12 lakhs or more

Exclusive joining benefits

₹500 gift voucher from your favourite brand

Up to ₹1,000 cashback on your first EMI

₹500 gift voucher from choice of brands

₹500 gift voucher from choice of brands like - Amazon, Bigbasket, Uber and Lifestyle on spending ₹5,000 within 30 days of card generation*.
*30 days from the day you receive SMS/email confirmation that your card is generated.

Eligibility:

•Spends of ₹5,000 within 30 days of card generation
•Spends is only eligible for Primary Card

Fulfilment:

•After meeting the spends criterion of ₹5,000, you will receive a SMS/email communication (within 4-5 working days) on your registered mobile number/ email with a link to reward section of our mobile banking app.
•Click on the welcome benefit banner to pick a voucher of your choice. The voucher will be available for redemption up to 90 days of receiving the SMS/email.

Exclusion

•Not applicable on UPI, Add-on card transactions, wallet load, EMI converted transactions & ATM cash withdrawal.
•If any of the transactions are reversed/cancelled/ disputed by the cardholder or merchant, that transaction will be excluded. Know More

Up to ₹1,000 cashback on your first EMI

Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
*30 days from the day you receive SMS/email confirmation of card generation.

Eligibility:

•This offer is applicable only on first EMI conversion within first 30 days of card generation.
•A transaction above ₹2,500 and above can be converted into EMI

Fulfilment:

•Eligible customers will receive cashback within 90 days of the offer end date

Exclusion:

•Transactions done on gold and jewellery are not eligible for EMI conversion
•If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer
•If any of the transactions are reversed/cancelled/foreclosed by the cardholder or merchant, that EMI transaction will be excluded. Similarly for any disputed transaction by the cardholder, that EMI transaction will be excluded Know More

Maximise your lifestyle with the
FIRST Select Credit Card

Travel
Lifestyle
Comprehensive Insurance
VISA Signature Privileges
MasterCard World Privileges

Complimentary airport lounge access

Low forex markup fee at just 1.99%

Free trip cancellation cover up to ₹10,000

Complimentary railway lounge visits

Discounted
Explore Now

Buy-1-Get-1 movie ticket offer

Discounted
Explore Now

1% Fuel surcharge waiver

Over 300+ merchant offers

Accident and lost card liability cover

Comprehensive travel insurance cover

24/7 Roadside assistance

Airport meet and greet discounts

Airport transfer discounts

Travel concierge at your fingertips

Complimentary golf rounds and lessons

Complimentary airport lounge access

Enhance your travel experience with 2 complimentary visits to domestic airport lounges every quarter

Click here for available lounges

Tired of long queues? Book your lounge visit in advance and fast-track your entry

Need assistance for advance booking/checking your available quota? – Click here for knowledge guide

Disclaimer: Spend ₹20,000 in the current calendar month to avail the benefit in the next month. T&C Apply

Low forex markup fee at just 1.99%

Take advantage of lower fees for international transactions with a forex markup of just 1.99% + GST.
This fee is also applicable for international transactions conducted in Indian rupees. 

Free trip cancellation cover up to ₹10,000

Last-minute change of plans? Get reimbursed up to ₹10,000 on non-refundable hotel and flight cancellations

The maximum cover amount of ₹10,000 can be used for up to two claims during the policy period. The benefit can be shared between the Primary & Add On cardholders.

For more details and to know more about the claim process. Click here

Complimentary railway lounge visits

Avail 4 complimentary visits to lounges at select Indian railway terminals.
Disclaimer: Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. Explore list of eligible railway lounges

Buy-1-Get-1 movie ticket offers

Enjoy blockbuster experiences using the 'Buy One, Get One' discount, up to ₹125, on the District by Zomato mobile app (valid twice per month). T&C apply

1% Fuel surcharge waiver

Save more for your next roadtrip with a 1% Fuel Surcharge Waiver up to ₹300 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000

Accident and lost card liability cover

Air accident cover of 1 crore Personal accident cover of ₹5,00,000 and Lost card liability cover of ₹50,000. Valid on making at least one transaction on the FIRST Select Credit Card in the last 30 days. Know more

Comprehensive travel insurance cover

Travel stress-free with comprehensive travel insurance coverage up to USD 300

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 T&C apply

24/7 Roadside assistance

Receive 24/7 roadside assistance during car or two-wheeler emergencies across India

Complimentary Roadside Assistance worth ₹1,399. T&C apply

Airport meet and greet discounts

Travel in style with exclusive discounts on meet and greet services at 450+ airports worldwide Book Now

Airport transfer discounts

Save on airport transfers with exclusive discounts on limousine services in over 3000 cities across 83 countries Book now

Travel concierge at your fingertips

Get personalized assistance for all your travel needs

This service provides a modern, personalized experience for self-booking your dining, staycations, flights, and activities. Book now

Complimentary golf rounds and lessons

Enjoy 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe

India Golf Program Know More

o 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month)
o 12 complimentary golf lessons per calendar year (1 lesson per calendar month)

APAC Golf Program Know More

o 50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka, and Taiwan

Over 300+ merchant offers

Make every purchase sweeter with 300+ brand offers across dining, shopping, travel and more, all year long Explore all offers

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
  • Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
  • 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

10X Reward points

1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education, Wallet Load, Utility and Insurance. These transaction will not be counted towards 10X spends milestone.

3X Reward Points

1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education and Wallet Load transactions will earn 3X reward points. These transactions will not be counted towards 10X spends milestone.

1X Reward points

1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Insurance and utility transactions will not be counted towards 10X spends milestone.

This card is perfect for you because...

No annual fees

Lifetime-free credit card!

Easy EMI options

Convert all transactions above ₹2,500 into EMIs

300+ merchant offers

Every deal gets sweeter with the FIRST Select Credit Card

Fees and charges

  • Joining and Annual Fees

    NIL

  • Interest rates /Annual Percentage Rate (APR)

    From 8.5% - 46.2% per annum

  • Forex Markup

    on international transactions

    1.99%

  • Cash Withdrawals

    Across domestic and international ATMs

    0% Interest for up to 45 days ₹199 + GST per transaction

  • Click here for more details

Accelerated Rewards on Travel

Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App

  • Earn 50X Bonus Reward Points on hotel bookings, over and above your usual Credit Card Reward Points
  • Earn 20X Bonus Reward Points on flight bookings, over and above your usual Credit Card Reward Points
  • Redeem your Reward Points for flight & hotel bookings

Book your travel now!

  • Step 1

    Open the IDFC FIRST Mobile Banking App

  • Step 2

    Tap ‘Travel & Shop’ in the menu

  • Step 3

    Choose Hotels or Flights and Book

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?

No, the IDFC FIRST Select Credit Card is lifetime-free. You do not have to pay any joining, membership, or annual fees at any point. This feature allows you to enjoy premium benefits without incurring extra costs, making the card accessible and cost-effective for long-term usage. To know more about lifetime-free credit cards, click here.

What is the interest rate (APR) on my credit card?

The interest rate on your IDFC FIRST Select Credit Card ranges from 8.5% to 46.2% per annum. The actual APR applied depends on your credit score, repayment history, and usage pattern. Maintaining responsible usage and timely repayments can help you secure a lower applicable interest rate.

Can I use my credit card to withdraw cash at an ATM?

Yes, you can use your IDFC FIRST Select Credit Card to withdraw cash from ATMs across India and abroad. Cash withdrawals are interest-free for up to 45 days, but a nominal transaction fee of ₹199 plus GST is applicable for each withdrawal, irrespective of the amount withdrawn.

How do I generate my credit card PIN?

Here are the various ways to generate PIN for the IDFC FIRST Bank Select Credit Card

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 number 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?

You must enter your PIN to complete transactions within India, as it serves as a security measure to confirm that the payment is authorised by you. While using your card in foreign countries, PIN entry is required only if the POS terminal supports PIN-based authentication.
You can also make payments using the tap-and-go (contactless) feature, which must be activated through the IDFC FIRST Bank mobile banking app. This method allows payments of up to ₹5,000 per transaction.

What is the joining benefit on the IDFC FIRST Select Credit Card?

Once your IDFC FIRST Select Credit Card is activated, spend ₹5,000 or more within 30 days to receive a ₹500 gift voucher from leading brands such as Amazon, BigBasket, Uber, or Lifestyle. Additionally, enjoy 5% cashback up to ₹1,000 on your first EMI transaction made within 30 days of card activation.

What are the offers available on the IDFC FIRST Select Credit Card?

The IDFC FIRST Select Credit Card comes with benefits like discounts on 300+ brands, movie tickets, and complimentary airport lounge access, among others.

• Travel: Leverage exclusive deals on platforms like EaseMyTrip, Adani One, Goibibo, and Ixigo.

• Shopping: Avail discounts at top brands such as TataCliq, Croma, Myntra, and Lifestyle.

• EMI offers: Enjoy no-cost EMI options on purchases from LG, Vijay Sales, Pepperfry, and Oppo.

• Dining: Treat yourself to exciting offers on Zomato, District, Faasos, Domino’s, and more.

In addition, get railway lounge visits, travel insurance, wellness benefits, and in-app offers on your favourite brands—all year long.

What is the forex mark-up on the FIRST Select Credit Card?

The IDFC FIRST Select Credit Card charges a low forex markup of just 1.99% on international transactions. This makes overseas travel and foreign online purchases more affordable. 

Whether you’re spending abroad or shopping on international platforms from India, you enjoy minimal currency conversion charges with this premium credit card.

What movie offers are available on the IDFC FIRST Select Credit Card?

Enjoy a Buy-One-Get-One free movie ticket offer with your IDFC FIRST Select Credit Card through the Zomato-owned District app. The offer provides a discount of up to ₹125 on the second ticket and can be availed twice per month, making movie nights more fun and budget-friendly.

Can I avail complimentary airport lounge visits on the IDFC FIRST Select Credit Card?

Yes, you get 2 complimentary lounge visits  per quarter at domestic airports with the IDFC FIRST Select Credit Card. To qualify, you need to spend ₹20,000 or more in the current calendar month. Once eligible, your access gets activated in the next month, offering a relaxing travel experience.

 

Will I earn reward points for every spend?

Yes, you can earn reward points on your IDFC FIRST Select Credit Card as follows:

• 10X reward points (never expiring points) on spends above ₹20,000 in a statement cycle and on your birthday.

• 3X reward points on total spends of up to ₹20,000 per statement cycle.

• 3X reward points on specific categories like education, wallet loads, government payments, rent, and property management/purchase.

• 1X reward point on utility and insurance payments (these categories are excluded from the 10X milestone calculation).

• No reward points are awarded on EMI transactions, cash withdrawals, and fuel purchases, 
 

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?

Yes, certain transactions are excluded from earning 10X reward points on the IDFC FIRST Select Credit Card. These include payments related to education, wallet loads, government services, rent, and property management or transactions like fuel, EMI transactions & cash withdrawals, utility and insurance payments. Regular eligible spends continue to earn accelerated rewards as per the card’s defined earning structure.

 

How can I redeem the reward points that I have earned on my card?

You can redeem reward points earned on the IDFC FIRST Select Credit Card through the FIRST Rewards portal or mobile banking app. Visit the portal, choose from options like e-vouchers, gift cards, or flight bookings, and follow the steps to redeem. A handling fee of ₹99 + GST applies per redemption. These points never expire, allowing flexibility in usage.

Is there an expiry date on the reward points accrued on my card?

No, the reward points earned on your IDFC FIRST Select Credit Card do not expire. You can accumulate them over time and redeem them whenever you choose, without worrying about expiry. This flexibility allows you to maximise the value of your rewards based on your personal spending and preferences.

When will the reward points be credited?

Reward points earned on your IDFC FIRST Select Credit Card are credited at the time of your monthly statement generation. Once the statement is generated, the corresponding reward points become available in your account, ready to be redeemed as per your preference through the Bank’s rewards platform or app.

Tell me more about the new design of the IDFC FIRST Select Credit Card.

Our new card design draws inspiration from our customers—their journeys, achievements, and cherished memories. This refreshed look is available only on cards issued from December 24, 2024, onwards.

Please note: All existing IDFC FIRST Select Credit Cards will remain active and retain the same features and benefits.

Besides lounge access, what are the other travel-related benefits of the IDFC FIRST Select Credit Card?

Apart from complimentary lounge access, the IDFC FIRST Select Credit Card offers several travel-related benefits. Cardholders can enjoy a low 1.99% forex markup on international transactions, making it ideal for overseas travel. Additionally, you get CFAR (Cancellation for Any Reason) trip cancellation benefit of up to ₹10,000 for hotel & flight bookings, covering your last-minute change in plans. You can access exclusive travel deals and discounts on platforms like EaseMyTrip, Goibibo, and Ixigo. Complimentary travel insurance coverage further enhances the card’s value for frequent travellers, offering convenience  during international trips.

What kind of insurance cover is included with the IDFC FIRST Select Credit Card?

The IDFC FIRST Select Credit Card includes a comprehensive suite of insurance benefits. These include an air accident cover, personal accident cover , CFAR (Cancellation for Any Reason) trip cancellation benefit, purchase protection, credit shield, and lost card liability cover to protect against unauthorised transactions, and comprehensive travel insurance for added peace of mind during international travel. Additionally, it offers 24/7 roadside assistance to ensure help is available in case of vehicle breakdowns, making it a well-rounded card for safety and convenience on the go.

Is the IDFC FIRST Select Credit Card a lounge access credit card for both domestic and international airports?

The IDFC FIRST Select Credit Card offers complimentary lounge access at domestic airports in India only. Currently, it does not provide free access to international airport lounges. However, it is a valuable travel credit card with a low forex markup and comprehensive travel-related benefits.

Do I need to pay extra for lounge access with the IDFC FIRST Select Credit Card?

The IDFC FIRST Select Credit Card offers two complimentary domestic airport lounge accesses per quarter (eight annually) on a minimum spend of ₹20,000 in the previous calendar month. Additional visits beyond the complimentary quota will incur charges, which are billed to your card. To access the lounge, present your card and a valid boarding pass for travel on the same or next day.

Important documents

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