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IDFC FIRST Select Credit Card credit card
Visa

IDFC FIRST Select Credit Card

Steady rewards on everyday purchases

Annual feeLifetime Free
Rewards0.25%Assumes 1 Reward Point = ₹0.25 as stated in the FIRST Select Product Guide; redeemable via FIRST Rewards Gallery (handling fee ₹99 + GST per redemption); points never expire (valid 24 months per SOC).
Forex markup2.0%
Apply NowCheck Eligibility →
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Rewards

    Fees & charges

    Joining fee
    ₹0 (Free)
    Annual / renewal fee
    Lifetime free
    Forex markup
    1.99%

    Eligibility

    Salaried: min ₹25,000/month. Self-employed with ITR. Age 21–60. CIBIL 750+.

    Is this card worth it for you?

    ₹10,000₹5,00,000
    0% of spend100% of spend
    0% of spend100% of spend

    Remaining 65% of spend earns the 0.25% base rate.

    Rewards / year

    ₹6,225

    ≈ 1.04% effective

    Annual fee

    ₹0

    no published waiver

    Net steady-state return

    +₹6,225/year

    Strong fit at this spend

    At ₹50,000/month, rewards outrun the fee by ₹6,225 a year.

    Apply NowCheck Eligibility →

    One-time welcome benefit: ~₹500 — ₹500 worth vouchers on spending ₹15,000 within 90 days (conditional spend threshold).

    Based on published rates as of 2026-08-07; assumes 1 Reward Point = ₹0.25 as stated in the FIRST Select Product Guide; redeemable via FIRST Rewards Gallery (handling fee ₹99 + GST per redemption); points never expire (valid 24 months per SOC).. Rewards estimates, not guarantees.

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