IDFC FIRST Bank FIRST Select

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹0

NIL

Annual fee

₹0

NIL

What it gives back

3X Reward Points on eligible spends; 1X = 1 Reward Point per ₹200 spent.

Read from 11 IDFC FIRST Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

Welcome offer

Welcome benefit
₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation; 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days of card generation

Rewards

Reward rate
3X Reward Points on eligible spends; 1X = 1 Reward Point per ₹200 spent.
Insurance spend earning
1X Reward Points on Insurance premium payments.
Reward earning on dining spends
10X Reward Points on Dining.
Reward earning on international spends
10X Reward Points on International purchases.
Travel earning
10X Reward Points on Travel.
Utilities earning
1X Reward Points on Insurance premium payments, Utility bill payments, Railway spends and FASTag recharges.
Reward exclusions
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals
Reward caps
Reward Points are earned only on spends up to your credit limit per billing cycle
Catalogue redemption
1 Reward point = ₹0.25.
Flight redemption
Redeem reward points for flight bookings through the FIRST Rewards Gallery portal or mobile banking app.
Voucher and product redemption
Redeem reward points for e-vouchers or gift cards through the FIRST Rewards Gallery portal or mobile banking app.
Point expiry
Reward Points will be valid for 24 months from the date they are credited.

Card benefits

Domestic lounge access
1 complimentary visit to domestic airport lounge every quarter; spend ₹20,000 in the current calendar month to avail the benefit in the next month.
International lounge access
Complimentary lounge access at domestic airports in India only; it does not provide free access to international airport lounges
Hotel or travel programme
4 complimentary visits to lounges at Indian railway terminals every quarter; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Golf
Complimentary golf rounds and lessons.
Concierge
Travel concierge at your fingertips.
Movie or entertainment ticket benefit
Buy 1 Get 1 movie ticket offer every month, with spends of ₹20,000 or more in the previous calendar month.
Minimum spend rules
Spends of ₹5,000 within 30 days of card generation; spends are only eligible for Primary Card

Also included

Fuel surcharge waiver
1% Fuel surcharge waiver
Air accident cover
Air accident cover of 1 crore.
Insurance benefit
Personal accident cover of ₹5,00,000; reimbursement up to ₹10,000 on non-refundable hotel and flight cancellations
Lost card liability
Lost card liability cover of ₹50,000.
Travel insurance
Comprehensive travel insurance coverage up to USD 300

Charges

Forex markup
0% on foreign currency transactions.
Cash advance fee
₹199 + GST per transaction; 0% Interest for up to 45 days
Cash advance interest
Cash withdrawals are interest-free for up to 45 days
Interest on unpaid balance
From 8.5% - 46.2% per annum
Interest-free period
48 days interest-free when you pay in full.
Late payment fee
Late payment charges: 15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
Reward redemption fee
₹99 plus GST per redemption

Eligibility

In the terms, not the brochure

Spend that unlocks lounge visits in the next period
1 complimentary domestic airport lounge access per quarter (four annually) on a minimum spend of ₹20,000 in the previous calendar month
What must be paid with the card for the cover to apply
Air accident cover, Personal accident cover and Lost card liability cover are valid on making at least one transaction on the FIRST Select Credit Card in the last 30 days.

11 documents from IDFC FIRST Bank, checked 19 Oct 2026.

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₹0 for life

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