HomeCredit CardsIDFC FIRST Bank Select Credit Card
IDFC FIRST Bank Select Credit Card

IDFC FIRST Bank

IDFC FIRST Select Credit Card

visasignaturecreditlifestyletraveldiningshopping

Annual Fee

₹589₹499 + GST

Base Reward

1% cashback|points

Foreign Markup

1.99%

Apply Now
4.8/5
VerifiedLast updated 26 May 2026

Welcome Benefits

Gift voucher worth ₹500 after spending ₹5,000 or more within 30 days of card issuance.

Product Highlights

  • Lifetime free
  • 10x Reward Points on birthday spending
  • Concierge Services available 24/7

Category Rewards

Specialty

6X RP on online transactions

1.5%

Reward Calculator

Earns ₹1,751/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹16K

across all your buckets

Points / yr

9.4K

IDFC FIRST Reward Points

Best worth

₹2.3K

via standard · ₹0.25/pt

Effective rate

1.22%

Annual fee

₹589

Year 1 net

+₹1,751

Year 2+ net

+₹1,751

ongoing

Adjust your spend by reward bucket

3 buckets
1.50%6X RP on online transactions
₹3,000/mo
Earns 180 idfc first reward points / mo≈ ₹45 worth/mo
2.50%10X RP on incremental spends >₹25K/cycle
₹3,000/mo
Earns 300 idfc first reward points / mo≈ ₹75 worth/mo
0.75%All other spends
₹10,000/mo
Earns 300 idfc first reward points / mo≈ ₹75 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Excluded from rewards

fuel, emi, cash advance, balance transfer, loan on card, card fees, gst

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

5% cashback up to ₹1,000 on EMI transactions within the first 30 days. 10x Reward Points for every ₹150 spent on purchases above ₹20,000. 10x Reward points on crossing ₹20,000 in a statement cycle on your birthday. 3x Reward Points for every ₹150 spent up to ₹20,000. 1X Reward Point on utility bills and insurance premium payments.

Redemption

1 CashPoint = ₹0.25 against statement.

Benefits & Features

Domestic: 2 free Domestic airport lounge visits per quarter. (On spending ₹20,000 every month.) Full lounge access description not provided.

Pros & Cons

Pros

  • 1% Fuel surcharge waiver
  • 24/7 concierge service
  • Personal Accident cover of ₹5,00,000
  • Low forex markup fee of 1.99%
  • 10X reward points on purchases above ₹25,000

Cons

  • No reward points on Fuel & EMI transactions
  • Gold and Jewellery linked transaction is not permitted for EMI conversion
  • High-interest rate from 9% to 42%
  • Limited acceptance in remote areas

Additional Info

No annual fee

Reward points do not expire

Excluded Categories

fuelEMI transactions

Partner Merchants

PayTM

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual FeeFREE
Joining FeeFree
Foreign Markup1.99%
Interest Rate42%
Cash Advance₹199

Eligibility

Min Age

18 yrs

Networks

visamastercard