IDFC FIRST Bank FIRST Select
IDFC FIRST Bank
Annual / renewal fee
₹0 (Nil) - Zero Annual Fee, forever, with no minimum spend conditions.
VerifiedImportant update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026)13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Earn rate
Confirm on the official page
Official source not yet captured
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COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
FIRST Select by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Nil (Lifetime-free, No Joining Fee).
VerifiedImportant Update / Terms & Rewards Revision Notice - FIRST Select Credit Card23 Jul 2026, 2:40 PM ISTIDFC FIRST Bank
Annual / renewal fee
₹0 (Nil) - Zero Annual Fee, forever, with no minimum spend conditions.
VerifiedImportant update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026)13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Fee waiver
- Lifetime-free card.
- No joining, membership or annual fees at any point (no minimum spend condition).
VerifiedImportant update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026)13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Rewards
Reward exclusion
VerifiedFIRST Select Credit Card Product Guide / Rewards & Benefits Terms13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Travel & lounge
Lounge access
- 1 complimentary domestic airport lounge visit per quarter, on spending ₹20,000 in the previous month.
- And 4 complimentary railway lounge visits per quarter, on spending ₹20,000 in the previous month.
- (Effective 1st April 2026: 1 complimentary domestic airport lounge access per quarter, on spending ₹20,000 in the current month to unlock for the next month.).
VerifiedFIRST Select Credit Card Product Guide / Rewards & Benefits Terms13 Jul 2026, 10:34 AM ISTIDFC FIRST Bank
Hotel benefit
33% Bonus Reward Points on hotel bookings made through the IDFC FIRST Bank Mobile App (effective 18 Jan 2026).
VerifiedImportant update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026)13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Travel benefit
- Free trip cancellation cover of up to ₹10,000 on hotels & flight bookings.
- Zero convenience fees on flight bookings via IDFC FIRST Mobile Banking app powered by Tripstacc.
VerifiedFIRST Select Credit Card Product Guide / Rewards & Benefits Terms13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Welcome voucher worth ₹500 on spending ₹5,000 within 30 days of card generation.
- Plus 5% cashback (up to ₹1,000) on the transaction value of the first EMI done within 30 days of card generation.
- Total welcome benefit worth ₹1,500.
VerifiedFIRST Select Credit Card Product Guide / Rewards & Benefits Terms13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Dining benefit
Enticing 300+ brand offers all year long across dining, shopping, travel and more.
VerifiedFIRST Select Credit Card Product Guide / Rewards & Benefits Terms13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Milestone benefit
Buy 1 Get 1 offer on movie tickets up to ₹125 (valid twice per month), on spending ₹20,000 in the previous month | Roadside Assistance worth ₹1,399.
VerifiedFIRST Select Credit Card Product Guide / Rewards & Benefits Terms13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Eligibility
Eligibility
- FIRST Select Credit Card annual fee/joining fee: Nil.
- IDFC FIRST Bank at its sole discretion determines the credit limit and cash withdrawal limit.
- Cash limit is a sub-set of credit limit.
VerifiedKey Fact Statement (KFS) - IDFC FIRST Bank Credit Cards (covers FIRST Select)21 Jul 2026, 2:07 PM ISTIDFC FIRST Bank
Charges & interest
Forex markup
Low Forex Markup at 1.99% on foreign currency transactions and Dynamic & Static Currency Conversion transactions.
VerifiedKey Fact Statement (KFS) - IDFC FIRST Bank Credit Cards (covers FIRST Select)23 Jul 2026, 2:40 PM ISTIDFC FIRST Bank
Fuel surcharge waiver
1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000, up to a maximum of ₹300 per statement cycle.
VerifiedFIRST Select Credit Card Product Guide / Rewards & Benefits Terms13 Jul 2026, 10:35 AM ISTIDFC FIRST Bank
Interest-free period
- Interest-free (grace) period up to 45 days, varying by transaction and statement date (not applicable if previous month's balance not cleared in full).
- Interest-free ATM cash withdrawals for up to 45 days (only a withdrawal fee of ₹199 applies).
VerifiedKey Fact Statement (KFS) - IDFC FIRST Bank Credit Cards (covers FIRST Select)23 Jul 2026, 2:40 PM ISTIDFC FIRST Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the FIRST Select?
Officially traced: Rs. 0 (Nil) - Zero Annual Fee, forever, with no minimum spend conditions.
Important update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026)What is the joining fee on the FIRST Select?
Officially traced: Nil (Lifetime-free, No Joining Fee).
Important Update / Terms & Rewards Revision Notice - FIRST Select Credit CardIs the FIRST Select annual fee ever waived?
Lifetime-free card.
Important update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026)What lounge access does the FIRST Select include?
1 complimentary domestic airport lounge visit per quarter, on spending Rs. 20,000 in the previous month.
FIRST Select Credit Card Product Guide / Rewards & Benefits TermsWhat welcome benefit does the FIRST Select offer?
Welcome voucher worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation; plus 5% cashback (up to Rs. 1,000) on the transaction value of the first EMI done within 30 days of card generation.
FIRST Select Credit Card Product Guide / Rewards & Benefits TermsWhat are the transfer ratios for FIRST Select points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the FIRST Select worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.idfcfirst.bank.in/credit-card/select.
VerifiedFIRST Select product page21 Jul 2026, 2:07 PM ISTIDFC FIRST Bank
Verified 2026-07-23 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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