• 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

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.

Reward Program

Your reward points, Yours to keep forever!
Easy to earn. Easy to redeem!

  • 3X Reward Points on Spends till ₹20,000 in a statement cycle
  • 10X Reward Points on crossing spends of ₹20,000 in a statement cycle & on your birthday
  • 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.

Joining benefits

Your FIRST Select Credit Card, now powered for UPI

    • New digital card instantly issued
    • Linked to your existing credit card with shared limit
    • Joining fee of ₹199 + GST and Annual fee (2nd year onwards) of ₹199 + GST
    • Limited Period Offer: 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
    • Up to 3X reward points on all UPI spends

The best things in life are free. Like Our Credit Cards.


Low on charges,
high on benefits!

  • 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.


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?

How can I avail my complimentary lounge benefit?

Do I need to spend ₹20,000 every month to activate my lounge benefits?

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?

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 to avail CFAR benefit?

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?

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