FIRST Select Credit Card
A lifetime-free points card with no forex markup: 10X on dining, travel and international spends, 3X on most others, 1X on bills, insurance and rail (1X = 1 point per ₹200, 1 point = ₹0.25), with a domestic lounge visit each quarter on ₹20,000 of monthly spend. Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| 10X on dining (including food delivery), travel and international spends | 10 points per ₹200 Product page | no cap on record |
| 1X on utility bills, insurance premiums, railway spends and FASTag | 1 point per ₹200 Product page | no cap on record |
| 3X on other spends | 3 points per ₹200 Product page | no cap on record |
Rent, government, education and wallet-load spends are named as exclusions from 10X only; the page does not say whether they earn 3X. Points are earned only on spends up to the credit limit in a billing cycle. UPI needs the FIRST Digital RuPay add-on card, at ₹199 + GST a year; UPI spends are outside the 10X programme.
No rewards on
- Fuel (and EMI, cash withdrawals) Product page
Benefits
- Lounges: 1 domestic airport lounge visit a quarter (domestic airports only) — ₹20,000 of spend in a calendar month unlocks the visit in the next month Product page
- Fuel: 1% fuel surcharge waived on fills of ₹200 to ₹5,000, up to ₹300 a statement cycle Product page
- Welcome: ₹500 gift voucher on ₹5,000 of spend within 30 days of the card being issued Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- Buy 1 Get 1 movie ticket every month after ₹20,000 of spend in the previous month Product page
- Trip cancellation (CFAR) cover up to ₹10,000 on hotel and flight bookings Product page
- 4 railway lounge visits a quarter Product page
- 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app Terms
- 10X points on spends made on your birthday Product page
- Air accident cover of ₹1 crore, personal accident cover of ₹5 lakh, lost-card cover of ₹50,000 Product page
- Travel insurance up to USD 300 (baggage, passport, flight delay) Product page
- 5% cashback up to ₹1,000 on the first EMI within 30 days Product page
Eligibility
- Annual income of ₹12 lakh or more Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by IDFC FIRST Bank in the documents read
- the card network
- a minimum age
Where IDFC FIRST Bank’s documents differ, and what is used
- Reward expiry: one FAQ on the product page says the points never expire; the reward section and another FAQ on the same page say they are valid for 24 months from credit.
- Fuel waiver cap: the product page says ₹300 a statement cycle; the usage guide says ₹300 a month.
The quotes behind the figures
38 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“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.”
“Fees and charges Joining and Annual Fees NIL”
“Forex Markup on international transactions 0%”
“1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25”
“- 10X Reward Points on Dining, Travel, and International purchases and spends done on your birthday.”
“Dining (including food delivery) includes MCCs 5812, 5813 and 5814.”
“- 1X Reward Points on Insurance premium payments, Utility bill payments, Railway spends and FASTag recharges.”
“All spend categories earn 3X Reward Points; except insurance, utilities, railways, FASTag recharges, Dining, Travel and International purchases.”
“Reward program is not applicable on Fuel (MCC 5172, 5541, 5542, 5983), Cash (MCC 6010, 6011,7280) & EMI transactions.”
“Reward program not applicable on Fuel, EMI transactions and Cash withdrawals.”
“The FIRST Select Credit Card provides ZERO forex markup.”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“1. Reward Points can be redeemed at 1 Point = 0.25.”
“Rental & Property Management, Government Services, Education, Wallet Load transactions, Utility bill payments, Insurance premium payments, Railway spends and FASTag recharges”
“Reward Points are earned only on spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points.”
“Reward Points are valid for 24 months from the date they are credited.”
“A handling fee of ₹99 + GST applies per redemption. These points never expire, allowing flexibility in usage.”
“up to 300 per month”
“The IDFC FIRST Select Credit Card offers complimentary lounge access at domestic airports in India only.”
“Flights 10% Bonus Reward Points on flight bookings”
“Complimentary Roadside Assistance worth ₹1,399.”
“Activate UPI on FIRST Select Credit Card at just ₹199”
“You can currently get the add-on FIRST Digital RuPay Credit Card if you hold any of the following IDFC FIRST Bank Credit Cards: FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private, FIRST SWYP, Ashva, Mayura, FIRST Business, Diamond Reserve or Gaj: Credit Card .”
“UPI transactions will not be a part of 10X rewards programme and 10X threshold calculations for all cards (Except Ashva and Mayura)”
“The interest rate on your IDFC FIRST Select Credit Card ranges from 8.5% to 46.2% per annum.”
“Reward redemption will attract a small convenience charge of ₹99 plus GST per redemption.”
“Yes, 1 complimentary visit 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.”
“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”
“Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation.*”
“Buy 1 Get 1 movie ticket offer every month, with spends of ₹20,000 or more in the previous calendar month on your card.”
“Last-minute change of plans? Get reimbursed up to ₹10,000 on non-refundable hotel and flight cancellations”
“Enhance your travel experience with 4 complimentary visits to lounges at Indian railway terminals every quarter”
“Hotels 20% Bonus Reward Points on hotel bookings”
“Air accident cover of 1 crore Personal accident cover of ₹5,00,000 and Lost card liability cover of ₹50,000.”
“Travel stress-free with comprehensive travel insurance coverage up to USD 300”
“Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.”
“Eligibility: Annual income of ₹12 lakhs or more”
“FIRST Select - Lounge Access Credit Card Online Apply now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology