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REWARD POINTS CARD

FIRST Select Credit Card

IDFC FIRST Bank

A lifetime-free card with up to 10X Reward Points, zero forex markup, 1 domestic airport and 4 railway lounge visits a quarter (on ₹20,000 monthly spend) and trip cancellation cover up to ₹10,000.

Lounge and movie benefits need ₹20,000 spend in the previous calendar month. No Reward Points on fuel, EMI or cash withdrawals. Each redemption costs ₹99 + GST; UPI activation costs ₹199 + GST.

FIRST Select Credit Card
ANNUAL FEE
₹199
JOINING FEE
₹199
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Lifetime free, with 0% forex markup and 10X Reward Points on dining, travel, international purchases and birthday spends.
BEST FOR
Included: May suit cardholders with annual income of ₹12 lakhs or more who spend ₹20,000+ a month and want a no-fee card.
Included: May suit regular spending on dining, travel and international purchases, which earn 10X Reward Points.
Included: May suit spending of ₹20,000 or more a month, which unlocks lounge and movie benefits the next month.
Included: May suit frequent overseas or international online spending, given the 0% forex markup.
Limitation: Fuel- or EMI-heavy spending, which earns no Reward Points may wish to compare other cards.
Limitation: Those fuel-heavy spending, which earns no Reward Points may wish to compare other cards.
Limitation: Those wanting international airport lounge access may wish to compare other cards.
Limitation: Those frequent small redemptions may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Airport and railway lounge access in a month depends on spending ₹20,000 in the previous calendar month.
Condition: Reward Points are posted only when the Minimum Amount Due is paid on or before the Payment Due Date.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹199
Annual / renewal fee
₹199
Fee waived at
Not stated
Forex markup
0%
Finance charge
8.5% p.a.
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per quarter — 1 complimentary visit per quarter (domestic airports in India) · Needs ₹20,000 spend in the previous calendar month; shared with add-on cardholders; visits beyond quota are chargeable. · ₹20,000 in a calendar month (access in the following month)
International airport lounge
Not stated
Railway lounge
4 visits per quarter — 4 complimentary visits per quarter at Indian railway lounges · Needs ₹20,000 spend in the previous calendar month (effective 20 Feb 2025); 4 visits shared between primary and add-on cardholders. · ₹20,000 in a calendar month (access in the following month)
Lounge spend requirement
Not stated
Lounge programme
Railway lounges: DreamFolks; airport lounges serviced by Elite Services
EVERYDAY
Fuel
1% waiver up to ₹300 per statement cycle on ₹200–₹5,000 transactions at all fuel stations in India
Dining
10X Reward Points on dining; dining offers on Zomato, District, Faasos, Domino’s and more.
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No Reward Points on fuel, EMI transactions and cash withdrawals. 10X excludes rental & property management, government services, education, wallet loads, utilities, insurance, railway and FASTag.; Fuel, EMI transactions and cash withdrawals.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Lifetime free, with 0% forex markup and 10X Reward Points on dining, travel, international purchases and birthday spends.
Included: Zero forex markup on international transactions, with 10X Reward Points on international spends.
Included: Trip cancellation (CFAR) cover up to ₹10,000 on non-refundable flight and hotel bookings, usable across up to two claims per policy period.
Included: Air accident cover of ₹1 crore, personal accident cover of ₹5,00,000 and lost card liability cover of ₹50,000 (one transaction in last 30 days).
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.