IDFC FIRST Bank · Entry travel card
FIRST Select
FIRST Select by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees & welcome
Joining fee
₹0 (Nil) - lifetime-free / no joining fee.
Verified · Key Fact Statement (KFS) - IDFC FIRST Bank Credit Cards (covers FIRST Select) · 2026-07-13 · source
Annual / renewal fee
₹0 (Nil) - Zero Annual Fee, forever, with no minimum spend conditions.
Verified · Important update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026) · 2026-07-13 · source
Fee waiver
- Lifetime-free card.
- No joining, membership or annual fees at any point (no minimum spend condition).
Verified · Important update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026) · 2026-07-13 · source
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.
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
Lounge & forex
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.).
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
Forex markup
Forex markup of 1.99% on foreign currency transactions and Dynamic & Static Currency Conversion transactions.
Verified · Key Fact Statement (KFS) - IDFC FIRST Bank Credit Cards (covers FIRST Select) · 2026-07-13 · source
Fees & charges
Interest-free period
- Interest-free (grace) period of up to 45 days.
- Not applicable if previous month's statement balance is not cleared in full by due date.
- Interest-free ATM cash withdrawals for up to 45 days.
Verified · Key Fact Statement (KFS) - IDFC FIRST Bank Credit Cards (covers FIRST Select) · 2026-07-13 · source
Fuel
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.
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
Rewards
Reward exclusion
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
Reward cap
- Reward Points earned only for spends up to your credit limit per billing cycle.
- Additional spends beyond this are not eligible.
- Reward Points valid for 24 months from the date credited (per Product Guide).
- The CVP states points never expire.
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
Redemption value
- 1 Reward Point = ₹0.25.
- Reward Redemption Fee ₹99 per redemption transaction.
- Reward Points valid for 24 months from the date they are credited (note: pdf7 states points never expire).
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
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.
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
Travel & lifestyle
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.
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
Dining benefit
Enticing 300+ brand offers all year long across dining, shopping, travel and more.
Verified · FIRST Select Credit Card Product Guide / Rewards & Benefits Terms · 2026-07-13 · source
Hotel benefit
33% Bonus Reward Points on hotel bookings made through the IDFC FIRST Bank Mobile App (effective 18 Jan 2026).
Verified · Important update regarding FIRST Select Credit Card (reward program changes, effective 18th Jan 2026) · 2026-07-13 · source
Eligibility
Eligibility
Annual income of ₹12 lakh or more is the main eligibility criteria for FIRST Select Credit Card.
Verified · FIRST Select product page · 2026-07-13 · source
Official sources
Verified 2026-07-13 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.