IDFC FIRST Select Credit Card
RewardsVerified · August 26, 2026
4.9/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
Overview
IDFC FIRST Select Credit Card by IDFC FIRST Bank provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on incremental spends > ₹25,000/month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet reloads
Welcome Benefit
Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card setup, plus 5% cashback up to ₹1,000 on first EMI order; Qualification Criteria: Min ₹15,000 spend within 90 days; Fulfillment Timeline: 30 days post qualifying period
Milestone Benefit
Spend ₹25,000 (Monthly): 10X Reward Points on all subsequent spends in the billing cycle; Annual Fee Waiver: Lifetime Free card with ₹0 joining fee and ₹0 annual fee forever
Redemption
- • Pay with points across online e-commerce portals at ₹0.25 per point
- • Instant statement cash credit with no processing fees
Benefits
- Domestic Airport Lounge: 4 per quarter (subject to ₹20,000 spend in previous month) via Visa Signature Domestic Lounge (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹300 per month)
- Buy 1 Get 1 Free Movie Tickets: Buy 1 Get 1 free movie ticket on Paytm Movies up to ₹250 (twice a month). (Max discount ₹250 per transaction on Paytm Movies) [Partners: Paytm Movies]
- Complimentary Roadside Assistance: Complimentary Roadside Assistance (RSA) worth ₹1,399 across India. (Towing, flat tyre assistance, emergency fuel delivery) [Partners: Allianz Global Assistance]
Things to Know Before you apply
IDFC FIRST Select Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹12,00,000+ (Salaried / Self-Employed)
- Salaried & Self-Employed Individuals
- Resident Indian
IDFC FIRST Select Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 1.99% |
| Cash Advance Fee | Interest free ATM cash withdrawal up to 48 days (nominal ₹199 + GST transaction fee) |
Fee waiver: Lifetime Free card with ₹0 joining fee and ₹0 annual fee forever
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
IDFC FIRST Select Credit Card issued by IDFC FIRST Bank is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
4.9/5
4.9/5
4.9/5
Best Suited for
Rewards
Rewards
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Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card setup, plus 5% cashback up to ₹1,000 on first EMI order
- • Qualification Criteria: Min ₹15,000 spend within 90 days
- • Fulfillment Timeline: 30 days post qualifying period
- • Not shown among the official offer tiles
- • Zero joining fee and lifetime free privileges on approval
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
Reward/Cashback Rate
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on incremental spends > ₹25,000/month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet reloads
- • Rewards - 10X Reward Points booster - scope: All online or offline, domestic and international transactions
- • Rewards - 10X Reward Points booster - price: ₹299 for 3 months
- • Rewards - 5X Reward Points booster - scope: All online or offline, domestic and international transactions
- • Rewards - 5X Reward Points booster - price: ₹199 for 3 months
- • Rewards - Cashback booster - categories: Groceries, Apparel and more
- • Rewards - Cashback booster - rate/price: Rate/price not shown on captured tile (detail popup not opened)
- • Rewards - "2% flat cashback" accelerator option: No matching offer tile found among the 7 captured
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Accelerated Rewards: Standard retail points without cap
- • Excluded Categories: Fuel
Pros
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Lifetime free — no joining or annual fee
- • Fully customisable feature packs starting at ₹49/quarter
- • Card liability and credit shield cover up to ₹1.5 Lakh each
- • Flexible OTT subscription add-ons
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Base reward rate not clearly disclosed
- • Most valuable benefits require paying for add-on packs
- • Self-employed age eligibility (25–65) differs from salaried (21–60)
- • Several fee details (forex markup, cash advance) not itemized officially
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions