FIRST Select
IDFC FIRST Bank · Credit card

FIRST Select

A credit card from IDFC FIRST Bank. Facts below come from the issuer's own documents. Network: Visa or Mastercard.

FIRST Select card artwork
Annual fee
₹0
Fee waiver
Spend ₹0 a year
Rewards
  • Dining, travel and international purchases, and birthday spends 10X Reward Points
  • All other eligible spend categories 3X Reward Points
  • Insurance premium, utility bill payments, railway spends and FASTag recharges 1X Reward Points
  • UPI spends up to 3X Reward Points

Benefits & rewards

Issuer information
Rewards
  • Dining, travel and international purchases, and birthday spends 10X Reward Points
  • All other eligible spend categories 3X Reward Points
  • Insurance premium, utility bill payments, railway spends and FASTag recharges 1X Reward Points
  • UPI spends up to 3X Reward Points
Reward cap
Not available
Lounge access
Included
Does not earn on
Wallet, EMI, ATM cash withdrawal.
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹0
Joining fee
₹0
Fee waiver
Spend ₹0 in a year
Foreign purchases
0% markup on international spends
Eligibility
Income not disclosed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against IDFC FIRST Bank's own pages. Only independently approved changes appear here.

  1. Eligibility
    Changed
    1200000 annual incomeAnnual income of ₹12 lakhs or more

    Eligibility changed from 1200000 annual income to Annual income of ₹12 lakhs or more

    Verified 11 Sep 2026 · previous value recorded 14 Aug 2026 · issuer page
  2. Foreign currency markup
    Changed
    1.99%0%

    Foreign currency markup changed from 1.99% to 0%

    Verified 11 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.