First Select Credit Card by IDFC FIRST Bank offers exclusive rewards, low interest rates, and seamless transactions for your everyday purchases. Apply now!

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Apply Now Signature is important and it is required to avail various products and services. To upload your signature

1. Go to More 2. Select Customer Service Dashboard 3. Select ‘Savings/Current Accounts’ 4. Select ‘Upload Signature’ to upload your signature.

That’s easy! Follow these steps to track your service requests:

1. From the home page of the app, tap on “Customer Service” section 2. Scroll down to “Track my service requests” to find all your requests

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Enjoy Zero Charges on All Commonly Used Savings Account Services

Open Account Now Enjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card

Apply Now Get the assured, FD-backed FIRST Ea₹n Credit Card

Apply Now All the premium features. Plus a few more.

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Eligibility* : Annual income of ₹ 12 Lacs or more Unmatched features, crafted for your evolving lifestyle! This lifetime-free card comes packed with travel benefits like complimentary domestic airport lounge access, low forex mark-up, and assured trip cancellation cover. Get up to 10X never-expiring Reward Points, buy-one-get-one on movie tickets, and year-round offers from top brands.

*Issuance of our Credit Card is subject to bank’s internal assessment and at the sole discretion of IDFC FIRST Bank.

Your reward points, Yours to keep forever!Easy to earn. Easy to redeem!

• 3X Reward Points on Spends till ₹20,000 in a statement cycle

• 10X Reward Points on crossing spends of ₹20,000 in a statement cycle & on your birthday

• Unlimited & never expiring Reward Points

• 1X Reward Points on Insurance premium and Utility bill payments

• Use Reward points to instantly pay for online or in-store purchases

• 3X Reward Points on rental and property management transactions

1X = 1 Reward Point per ₹150 spent| 1 Reward point = ₹0.25

Categories not included in the 10X Reward Points threshold: Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load.

Reward Points program not applicable on fuel, EMI transactions, & cash withdrawals.

Reward redemption will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption.

First-in-class features. Designed to delight, year after year.

Joining benefits- Welcome voucher worth ₹500 on spending ₹5000 or more within 30 days of card generation.

• 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation

Joining benefits are not applicable on upgrade of credit card and add-on cards.

Click here for more details Privileges

Movie, Online and Dining Discounts

• ‘Buy One, Get One’ offer on movie tickets up to ₹125 on Paytm mobile app (valid twice per month)
• 300+ Brand Offers, all year long! | Up to 20% discount at 1500+ restaurants | Explore all offers

Premium Benefits

• 2 complimentary Domestic airport lounge visits per quarter, on spending ₹20,000 every month.

a.List of Eligible Loungesb.Check number of available visits:Click here

• 4 complimentary railway lounge visits per quarter
• Cancellation For Any Reason(CFAR) insurance: Cancellation cover for up to 2 claims up to ₹10,000, will be available for hotel and flight booking cancellations. Click here for details

VISA Offers

• Airport Meet & Greet - Enjoy discounts on Airport Fast Track immigration service at over 450 destinations worldwide. Click here
• Airport Transfers -Lucrative discounts on Airport transfer limousine service across in over 3000 cities across 83 countries. Click here
• Concierge - This service provides a modern, personalized experience for you to self-book your dining, staycation, flights and activities. Click here
• Luxury Hotel Collection – Access to over 900 luxury hotels around the world with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others. Click here

MasterCard Offers

• Golf Program - 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year (not more than 1 round / lesson in a single calendar month). Click here

Insurance and Road Assistance

• Complimentary Roadside Assistance worth ₹1,399
• 1% Fuel Surcharge Waiver up to ₹300 p.m. at all fuel stations across India, on transaction values between ₹200 & ₹5000
• Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹5,00,000 and Lost Card Liability Cover of ₹50,000.

Valid on completing at least one transaction on FIRST Select Credit Card in last 30 days

• Comprehensive Travel Insurance Cover of ₹22,500#

##Loss of Checked-in Baggage- USD 100; Delay of Checked-In Baggage USD 67. Loss of Passport and other documents – USD 67; Delay in Flight – USD 67

*Key Terms & More Details Convenience- Convert all transactions* above ₹2,500 into easy & convenient EMIs on your mobile app

• Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*

*Eligibility norms apply

• ‘Buy One, Get One’ offer on movie tickets up to ₹125 on Paytm mobile app (valid twice per month)
• 300+ Brand Offers, all year long! | Up to 20% discount at 1500+ restaurants | Explore all offers

Premium Benefits

• 2 complimentary Domestic airport lounge visits per quarter, on spending ₹20,000 every month.

a.List of Eligible Loungesb.Check number of available visits:Click here

• 4 complimentary railway lounge visits per quarter
• Cancellation For Any Reason(CFAR) insurance: Cancellation cover for up to 2 claims up to ₹10,000, will be available for hotel and flight booking cancellations. Click here for details

VISA Offers

• Airport Meet & Greet - Enjoy discounts on Airport Fast Track immigration service at over 450 destinations worldwide. Click here
• Airport Transfers -Lucrative discounts on Airport transfer limousine service across in over 3000 cities across 83 countries. Click here
• Concierge - This service provides a modern, personalized experience for you to self-book your dining, staycation, flights and activities. Click here
• Luxury Hotel Collection – Access to over 900 luxury hotels around the world with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others. Click here

MasterCard Offers

• Golf Program - 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year (not more than 1 round / lesson in a single calendar month). Click here

Insurance and Road Assistance

• Complimentary Roadside Assistance worth ₹1,399
• 1% Fuel Surcharge Waiver up to ₹300 p.m. at all fuel stations across India, on transaction values between ₹200 & ₹5000
• Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹5,00,000 and Lost Card Liability Cover of ₹50,000.

Valid on completing at least one transaction on FIRST Select Credit Card in last 30 days

• Comprehensive Travel Insurance Cover of ₹22,500#

##Loss of Checked-in Baggage- USD 100; Delay of Checked-In Baggage USD 67. Loss of Passport and other documents – USD 67; Delay in Flight – USD 67

*Key Terms & More Details - New digital card instantly issued

• Linked to your existing credit card with shared limit
• Joining fee of ₹199 + GST and Annual fee (2nd year onwards) of ₹199 + GST
• Limited Period Offer: 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
• Up to 3X reward points on all UPI spends

Know more

Low on charges, high on benefits!

• Zero Joining Fee and Annual Fee
• Low Forex Markup of 1.99% on international transactions
• Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)
• Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)
• Interest free cash withdrawals on domestic and international ATMs for up to 45 days (Cash Advance Fee of only ₹199 + GST per transaction)
• OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550
• Reward Points redemption fee of ₹99 + GST will be applicable per redemption transaction
• Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction
• Utility Payments Surcharge – Payments over ₹20,000 towards utilities (Electricity, Gas, Telecom, etc.) in a statement cycle will attract 1% surcharge on all spends on utilities.

View detailed Terms and Conditions IDFC FIRST Bank Credit Card Bill Payment Explore our various online credit card payment options.

Explore Options Standing Instructions (e-mandates) for recurring payments View your standing instructions (recurring payments) set at various merchants here and modify/ cancel them effortlessly.

Manage NowKnow More Balance Conversion into easy EMI Now convert your outstanding balance into easy EMI with flexible tenure of 3 - 18 months

Convert Now

Is there a Joining/ Membership/ Annual fee on IDFC FIRST Bank Select Credit Cards?

There are no Joining/ Membership/ Annual fees applicable on the FIRST Select Credit Card.

How can I redeem the Reward Points that I have earned on my card?

You can directly use your Reward Points to pay for online purchases or while shopping at a store. Just choose the option to pay with points. You can also redeem your Reward Points on amazing offers at idfcfirstrewards.poshvine.com

Is there an expiry date on the reward points accrued on my card?

There is no expiry date on the Reward Points accrued on your IDFC FIRST Select Credit Card. You can use your Reward Points whenever you want, without the fear of losing them.

What are the offers available on IDFC FIRST Bank credit cards?

The IDFC FIRST Bank Select Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.

For brand offers, you can visit the offers website

What is the interest rate on my credit card?

IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 42% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.

Can I use my Credit Card to withdraw cash at an ATM?

Yes, you can! All ATM cash withdrawals are totally interest-free for up to 45 days – in India or abroad. Please keep in mind however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

How do I generate my credit card PIN?

Net Banking

Pre-login

• • Click on the “Generate Credit Card PIN” on the pre-login page https://my.idfcfirstbank.com/login
• • Enter “Customer ID” & “Credit Card number” and click on Get OTP
• • Verify using the OTP sent on your registered mobile number
• • Enter and Re-enter PIN of your choice and click on confirm
• • Your Credit Card PIN is set

Login

• • Login to your Net Banking account
• • Select Credit Card section
• • Select Set new PIN
• • Enter and Re-enter PIN of your choice and click on Get OTP
• • Please verify through the OTP sent to your registered mobile number
• • Your Credit Card PIN is set

Mobile Banking App

Pre-login

• • Select browse icon from the right side top menu on login page
• • Enter “Customer ID” & “Credit Card number” and click on Get OTP
• • Please verify through the OTP sent to your registered mobile number
• • Enter and Re-enter PIN of your choice and click on confirm
• • Your Credit Card PIN is set

Login:

• • Login to Mobile Banking App
• • Access Credit Card section
• • Select Set new PIN
• • Enter and Re-enter PIN of your choice and click on Get OTP
• • Your Credit Card PIN is set

Customer Care:

• • Dial our Customer Care and follow the instructions to generate the PIN

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

How can I avail my complimentary lounge benefit?

You can activate your complimentary lounge visits in the next calendar month by spending a minimum of ₹20,000 in the current calendar month. Once your lounge benefits have been activated, use your Credit Card at the airport lounge counter.

For e.g., Meet spend criteria between 1st to 31st Jan 2024. Benefit activated for Feb-2024.

Do I need to spend ₹20,000 every month to activate my lounge benefits?

You can activate your complimentary lounge visits in the next month by spending a minimum of ₹20,000 in the current calendar month.

For e.g., Meet spend criteria between 1st to 31st Jan 2024. Benefit activated for Feb-2024.

The spends condition stands revised from 1st May 2024. ₹5,000 spends in March 2024 will unlock access in April 2024. ₹20,000 must be spent in April 2024 to get complimentary access in May 2024.

I have utilized only one lounge visit this quarter and did not qualify in the previous month; would I still be able to utilize my remaining lounge visits for the quarter?

You can still utilize the remaining quota of lounge visits for the quarter by spending in the current month and avail the benefits in the last month of the quarter. There will be no carryover of the quarterly quota.

How do I know if I have activated my lounge benefit in any month?

You can check your lounge activation status on www.dreamfolks.in .

To know more about the process to check the status, please visit our website > Credit cards > First Wealth Product Page > benefits & Privileges > Privileges

Does the spend criteria also apply to railway lounge access?

The spend criteria is not needed for railway lounge access.

How do I know if I am eligible for CFAR?

a. You will be eligible for CFAR If you have done minimum 1 transaction on your IDFC FIRST Wealth / Select Credit Card in the calendar month preceding the start of the policy period. E.g spends in June 2023 will make you eligible for policy period 1st July 2023 till 30th April 2024.

b. IDFC FIRST Bank will intimate all customers at the start of the policy

Will I have to transact every month to avail CFAR benefit?

Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.

If I have made a booking during the policy period and I cancel the booking after the policy period, can I still avail the CFAR benefit?

For availing CFAR benefit, both bookings and cancellations must be within the policy period.

Will I have to pay any additional amount for CFAR benefit?

CFAR is a complimentary benefit offered to select IDFC FIRST Credit cardholders basis qualification criteria. No additional payment will be charged for the same

Can I increase my coverage offered under CFAR?

As this is a complimentary benefit available to select customers, coverage shall be applicable as per the specified terms & conditions.

What kind of flight tickets are eligible for claims under CFAR?

Refundable and non-refundable flight tickets are eligible for claims under CFAR. However, only the non-refundable portion of the ticket shall be reimbursed to you.

I have claimed up to INR 5000 in my last two claims and have another INR 5000 left in my cover, will you allow me to claim the same in my next claim?

You can claim only twice in a policy period. No further claims are covered.

More FAQs

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