IDFC First Select
by IDFC FIRST Bank · Data verified 2 days ago
10X Reward Points on all spends (including insurance, utilities). Note: Reward rate 1 point per ₹200 from April 2026. Lounge reduced to 4/year from April 2026.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10X on travel/dining
- Golf benefits
- Good lounges
- Lower forex
Things to Consider
- New bank
- Limited acceptance in some areas
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Domestic Lounges
4 per year
Travel Insurance
₹100L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹200/mo
Purchase Protection
₹50,000 cover
Lost Card Cover
₹50,000
Dining
- •10X Reward Points on all dining transactions
- •Up to 20% discount at 1,500+ partner restaurants
- •Buy 1 Get 1 Free movie tickets on District by Zomato app (twice/month)
Shopping
- •3X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •10X on travel bookings
- •₹5 Lakh Personal Accident Coverage
- •Trip Cancellation Cover up to ₹10,000 on hotels and flights
- •Complimentary 24/7 Roadside Assistance (4 times/year, worth ₹1,399)
- •Air Accident Cover: ₹1 Crore
- •Lost Card Liability: ₹50,000 (zero liability from time of reporting)
- •Travel Inconvenience Cover (up to USD 500): includes trip cancellation ₹10,000, lost baggage USD 300, baggage delay USD 100, passport loss USD 100, flight delay USD 100
- •4 complimentary railway lounge access in a calendar quarter
Partner Benefits
- •Up to 15% discount at 3,000+ health & wellness outlets
Special Offers & Features
- •4 complimentary railway lounge visits per quarter (₹20,000 spend condition)
- •UPI linkage available
- •Interest-free ATM cash withdrawals up to 45 days
- •Reward points not earned if minimum amount due is unpaid
- •FASTag recharges earn 1X points only (not eligible for 10X)
- •Buy 1 Get 1 Free movie tickets (up to ₹125 off) on District by Zomato app, twice/month (requires ₹20,000 spend in preceding month)
- •Up to 20% discount at 1,500+ partner restaurants
EMI Options
- •Instant EMI conversion available on bank OTP page for online transactions
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC First Select
IDFC FIRST Select: 10X Reward Points on Dining, Travel, and International purchases from the first transaction
IDFC First Select cardholders now earn 10X Reward Points on Dining, Travel, and International transactions from the very first transaction — no minimum ₹20,000 monthly spend needed anymore. This is a major upgrade effective June 18, 2026. Categories: Dining, Travel, International purchases
Effective June 18, 2026. 10X reward points on Dining, Travel, and International purchases from first transaction. 3X on other retail spends. 1X on insurance, utilities, railways, FASTag. No reward points on fuel, EMI, or cash withdrawals. Dining and Travel identified via MCC codes.
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC First Select
- • Min age: 18 years
- • Salaried: ₹100,000/month min
- • Self-employed: ₹100,000/month min
- • CIBIL: 750+ recommended
- ✓ Domestic: 4 per year
- → Spend ₹20,000 in previous month
- → Spend ₹20,000 in previous month
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC First Select today and unlock amazing rewards and premium experiences.
What Users Say
No reviews yet for IDFC First Select.
Be the first to share your experience!
Share your experience
Sign in to write a review, share your approval data, and help others choose the right card.
Sign in with Google