IDFC
IDFC FIRST Select Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹750 Rewards
Top Benefits
Earn 3X Reward Points on Rental, Government, Education
and Wallet Load Spends i.e. 3 reward points per ₹200 spent
Earn 10X Reward Points on Eligible
spends i.e. 10 reward points per ₹200 spent (1 point = ₹0.25), reward points never expire
Best For
Shopping
Travel
Utility Bills
The IDFC FIRST Select Credit Card is a lifetime free RuPay credit card built around one bold idea: seri...
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The IDFC FIRST Select Credit Card is a lifetime free RuPay credit card built around one bold idea: seri...
The IDFC FIRST Select Credit Card is a lifetime free RuPay credit card built around one bold idea: serious rewards without an annual fee. With up to 10X never-expiring reward points on incremental spends above ₹20,000 a month, 1 complimentary domestic airport lounge visit per quarter, 4 railway lounge visits per quarter, and a low 2% forex markup, this card delivers premium-grade benefits at zero recurring cost.
What sets the IDFC FIRST Select Credit Card apart from other lifetime free cards is the spend-tier reward structure. You earn 3X reward points per ₹200 on monthly spends up to ₹20,000, and 10X reward points per ₹200 on incremental spends above that threshold. Birthday spends also earn 10X rewards regardless of monthly limit. Each reward point converts at ₹0.25, and points never expire, so heavy spenders compound serious value over time. Add a 33% bonus on hotel bookings and 13% bonus on flight bookings via the FIRST Rewards Gallery, and the card becomes a credible travel reward engine for the right user.
The card is positioned for salaried professionals earning ₹1 lakh a month or more, with monthly card spends in the ₹20,000 to ₹50,000 range. It is not the right pick if your monthly spends sit below ₹15,000 (since you stay in the lower 3X tier and earn modest rewards), or if your spending leans heavily on excluded categories like fuel, EMI, and cash advances. RuPay's narrower international acceptance is also worth knowing; while the 2% forex is competitive, RuPay does not work in every country.
View FAQ
Commonly Asked Questions
Who is the IDFC FIRST Select Credit Card best suited for?
The IDFC FIRST Select Credit Card is best for salaried professionals earning ₹1 lakh a month or more, who can put ₹25,000 to ₹50,000 of monthly spends on the card. The 10X rewards on incremental spends above ₹20,000 reward consistent monthly usage. UPI users also benefit since the card supports UPI payments through its RuPay network.
Is the IDFC FIRST Select Credit Card lifetime free?
Yes, the IDFC FIRST Select Credit Card is a lifetime free card with zero joining fee and zero annual fee. There are no spend-based fee waivers needed since the card has no fee to waive.
What is the welcome benefit on the IDFC FIRST Select Credit Card?
You get a ₹500 gift voucher from your choice of brands like Amazon, BigBasket, Uber, or Lifestyle on spending ₹5,000 within 30 days of card generation. The voucher applies to primary card spends only, and is not triggered by UPI, add-on card transactions, wallet load, or EMI converted spends.
How many reward points do I earn per ₹100 on this card?
You earn 3 reward points per ₹200 on monthly spends up to ₹20,000 (1.5 points per ₹100), and 10 reward points per ₹200 on incremental spends above ₹20,000 (5 points per ₹100). At ₹0.25 per point, that translates to a 0.375% return on baseline spends and a 1.25% return on the accelerated tier.
Expert Review
Joining/Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
The IDFC FIRST Select Credit Card carries a joining fee of ₹0 and an annual fee of ₹0. The card is life...
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The IDFC FIRST Select Credit Card carries a joining fee of ₹0 and an annual fee of ₹0. The card is life...
The IDFC FIRST Select Credit Card carries a joining fee of ₹0 and an annual fee of ₹0. The card is lifetime free, with no fee charged at the time of issuance and no recurring annual fee in any subsequent year.
Practically, this is one of the cleanest fee structures in the Indian credit card market for a feature-rich card. There is no spend-based waiver to track, no anniversary fee to worry about, and no hidden renewal cost. Hold the card as long as you want, use it as little or as much as you like, and the card stays free.
The lifetime free positioning is the card's biggest structural advantage. Most cards in this benefit class (lounges, BOGO movie, travel insurance, low forex) charge ₹500 to ₹3,000 in annual fees. The IDFC FIRST Select Credit Card offers comparable benefits at zero recurring cost, which makes it a high-value addition to any wallet, even as a backup card.
The welcome ₹500 voucher (on ₹5,000 spend within 30 days) and the optional ₹1,000 cashback on first EMI within 30 days add an effective negative cost to the first year. So new applicants can extract upfront value while paying nothing.
View FAQ
Commonly Asked Questions
What is the joining fee of the IDFC FIRST Select Credit Card?
The joining fee is ₹0. The card is lifetime free, with no fee charged at the time of card issuance.
What is the annual fee on this card?
The annual fee is ₹0. There is no annual or renewal fee charged at any card anniversary, regardless of your spending pattern.
Is there any spend-based fee waiver to worry about?
No, since the card has no fee, there is no spend-based waiver requirement. You can use the card as little or as much as you want without worrying about renewal charges.
Are there hidden charges I should know about?
The card has no joining or annual fee, but standard transaction-side charges apply: 3.75% monthly interest on rolled-over balances, 2% forex markup, 1% rent payment fee, 3% ATM withdrawal fee, ₹99 reward redemption fee, and standard late payment slabs. None of these are hidden, but they apply when triggered by specific transactions.
Will the card always remain lifetime free?
The lifetime free status is part of the card's published terms. IDFC FIRST Bank reserves the right to revise terms with prior notice as per RBI guidelines, but as of the current published terms, the card stays free for the cardholder's lifetime.
Does the card come with any first-year bonus benefits?
Yes, you get a ₹500 voucher (Amazon, BigBasket, Uber, or Lifestyle) on spending ₹5,000 within 30 days of card generation, plus the option to convert your first transaction to EMI for an additional ₹1,000 cashback (on EMI conversions made within 30 days). Both benefits effectively give you negative first-year cost.
Can the card be downgraded or upgraded?
Yes, IDFC FIRST Bank allows existing Select cardholders to upgrade to Wealth or Mayura cards once they meet the income and credit profile requirements. Downgrades to the FIRST Classic or FIRST Millennia are also available through customer care.
Is GST charged on transactions or fees?
GST is not charged on the joining or annual fee since both are zero. Standard 18% GST applies on all transaction-side charges (forex markup, rent payment fee, late payment fee, cash advance fee, reward redemption fee).
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
12LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
The IDFC FIRST Select Credit Card has a moderately premium eligibility profile reflecting its positioni...
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The IDFC FIRST Select Credit Card has a moderately premium eligibility profile reflecting its positioni...
The IDFC FIRST Select Credit Card has a moderately premium eligibility profile reflecting its positioning as a lifetime free card with travel and lifestyle benefits. The income threshold sits at ₹1 lakh a month or ₹12 lakh annually, which positions the card for mid-career professionals.
The age window is 21 to 60 years for both salaried and self-employed applicants. The minimum monthly income is ₹1 lakh, with an annual income of ₹12 lakh required for both employment types. A CRIF or CIBIL score of 750 or higher is preferred, which is on the stricter side compared to entry-level cards that accept 720 or 735 plus.
To frame this simply: a salaried professional earning ₹1 lakh a month qualifies, which fits mid-level corporate roles, tech professionals, and senior individual contributors. Self-employed applicants with two years of clean ITR filings showing ₹12 lakh annual income are also strong candidates. The 750 credit score is a meaningful gate, so applicants with recent missed payments or high credit utilisation may face declines.
NRIs are not in the eligibility pool for this card. Both new-to-IDFC FIRST Bank applicants and existing customers can apply.
| Criterion | Salaried | Self Employed |
|---|---|---|
| Minimum Age | 21 years | 21 years |
| Maximum Age | 60 years | 60 years |
| Minimum Monthly Income | ₹1,00,000 | ₹1,00,000 equivalent |
| Minimum Annual Income | ₹12 lakh | ₹12 lakh |
| CIBIL / CRIF Score | 750+ | 750+ |
| Residency | Indian Resident | Indian Resident |
View FAQ
Commonly Asked Questions
What is the minimum salary required for the IDFC FIRST Select Credit Card?
The minimum monthly salary required is ₹1 lakh, with an annual income of ₹12 lakh for salaried applicants. Self-employed applicants need ITR-backed annual income of at least ₹12 lakh for approval.
What is the minimum age for this card?
The minimum age is 21 years and the maximum age is 60 years for both salaried and self-employed applicants. The 60-year cap is on the stricter side compared to cards that accept up to 65 or 70.
What CIBIL score do I need for this card?
A credit score of 750 or higher is preferred for approval. Applicants with scores between 720 and 750 may still be considered if the income profile is well above the minimum and the credit history is clean. Below 720, approval is unlikely on this card.
Can self-employed people apply for this card?
Yes, self-employed individuals are eligible. The bank reviews the latest two years of ITR and bank statements to assess income stability. A net annual income of ₹12 lakh is the working benchmark for approval.
Do I need to be an IDFC FIRST Bank account holder to apply?
No, you do not need an existing IDFC FIRST Bank account to apply for this card. Both new-to-bank applicants and existing customers can apply through the IDFC FIRST Bank website or app, although having an existing relationship can speed up KYC and approvals.
Can a college student apply for this card?
Students without a regular income source are not eligible directly. The minimum income threshold of ₹1 lakh a month effectively excludes most students. A working young professional in their first job with ₹1 lakh monthly salary can apply once they meet the age and credit score criteria.
Is there an add-on card option?
Yes, IDFC FIRST Bank offers add-on cards for immediate family members on the Select card. Add-on cards share the credit limit and earn reward points, but the welcome benefit, lounge access, and BOGO offers are restricted to the primary cardholder.
What documents are required during the application?
You need a PAN card, Aadhaar card, latest 3 months of salary slips (or 2 years of ITR for self-employed), and 6 months of bank statements showing salary or business credits. Have soft copies ready before starting the application to keep the process smooth.
All Card Benefits
- 10X reward points on eligible spends that never expire (1 point = ₹0.25)
- 33% bonus reward points on hotel bookings and 13% on flights via FIRST Rewards Gallery
- 1 complimentary airport lounge visit per quarter + 4 railway lounge visits per quarter
The IDFC FIRST Select Credit Card delivers value across six clear pillars: a strong welcome voucher, ti...
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The IDFC FIRST Select Credit Card delivers value across six clear pillars: a strong welcome voucher, ti...
The IDFC FIRST Select Credit Card delivers value across six clear pillars: a strong welcome voucher, tiered reward earning, airport and railway lounge access, movie ticket BOGO, fuel surcharge waiver, and travel insurance. Below is a breakdown of each so you can match the perks against your real usage pattern.
Welcome Benefits
The card's welcome benefit is a ₹500 gift voucher from a choice of partner brands (Amazon, BigBasket, Uber, or Lifestyle) on completing ₹5,000 in spends within 30 days of card generation. The voucher is delivered through SMS or email within 4 to 5 working days of meeting the spend criteria, with a redemption code for the chosen partner.
Practical example: a ₹5,000 spend can be cleared in a single grocery run on BigBasket or two Amazon orders. The ₹500 voucher returns 10% on that initial spend, which is a solid early reward. Pick the brand voucher closest to your routine spends so you do not have to redeem against unfamiliar categories.
Note that the welcome benefit is restricted to primary card spends. Spends made via UPI, add-on cards, wallet loads, or EMI conversions do not count towards the ₹5,000 trigger. So plan a direct primary card swipe within the first 30 days to lock in the benefit.
Reward Points Structure
The IDFC FIRST Select Credit Card uses a tiered reward earning structure. The first tier is 3X reward points (3 RP per ₹200) on monthly cumulative spends up to ₹20,000. The second tier kicks in once your monthly spending crosses ₹20,000, where you earn 10X reward points (10 RP per ₹200) on the incremental spends in the same calendar month.
Birthday spends earn 10X reward points regardless of the monthly threshold. Education, wallet load, government, rent, and property management transactions earn 3X reward points but do not count towards the ₹20,000 milestone. Utility, insurance, FASTag, and railway transactions earn 1X reward point (1 RP per ₹200) and also do not contribute to the milestone calculation.
Each reward point converts at ₹0.25 in standard catalogue redemption, so the effective rates work out to: 0.375% on baseline spends (3X tier), 1.25% on the accelerated tier (10X), and 0.125% on utility and insurance categories (1X tier).
Practical example: a Select cardholder spending ₹40,000 in a month earns 600 RP on the first ₹20,000 (at 3 per ₹200) plus 1,000 RP on the next ₹20,000 (at 10 per ₹200). That is 1,600 RP for the month, worth ₹400 in catalogue value. Push the same monthly profile across 12 months and the annual reward bank crosses 19,200 RP, worth roughly ₹4,800.
Travel rewards get a further boost. Booking flights and hotels through the FIRST Rewards Gallery section on the IDFC FIRST Bank Mobile App earns a 33% bonus on hotel reward points and a 13% bonus on flight reward points, over and above the standard tier rate.
Excluded categories that earn zero reward points: ATM cash withdrawals, cash advances, EMI spends, fuel spends, fuel surcharge, wallet reload charges, bank charges and fees, interest charges, financial charges, processing fees, service or interest charges, taxes, all reversals, cancelled transactions, refunds and reversals, balance transfers, loan transactions, and government-related transactions.
Airport Lounge Access
The IDFC FIRST Select Credit Card offers 1 complimentary domestic airport lounge visit per quarter at select participating lounges across major Indian airports. The benefit comes with a spend trigger: you must spend ₹20,000 in the current calendar month to unlock lounge access for the following month.
Practical math: averaging ₹20,000 a month in card spends activates the next month's lounge access. Over a year, that is 4 complimentary domestic lounge visits. At a paid lounge rate of ₹1,000 to ₹1,500 per visit, four visits a year add up to ₹4,000 to ₹6,000 in saved value, which is solid value for a lifetime free card.
Note that international lounge access is not part of this card. For international lounge benefits, you would need to upgrade to the IDFC FIRST Wealth or Mayura cards.
Railway Lounge Access
One of the more uncommon benefits on this card is 4 complimentary railway lounge visits per quarter at participating Indian railway terminals. That is up to 16 free railway lounge visits a year, a benefit not commonly found on lifetime free credit cards.
Effective 20th February 2025, the railway lounge benefit also requires a spend trigger: you must spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. So the same monthly spend that activates the airport lounge benefit also activates railway lounges.
Practical example: at major railway terminals like New Delhi, Mumbai CST, Howrah, and Chennai Central, paid railway lounge access costs ₹150 to ₹400 per visit (covering 2 hours of stay, AC seating, a buffet meal, tea and coffee, Wi-Fi, and newspapers). At 16 free visits a year, the value runs ₹2,400 to ₹6,400 annually, which is meaningful for frequent train travellers.
Movie Ticket BOGO Offer
The IDFC FIRST Select Credit Card offers a Buy 1 Get 1 free movie ticket benefit at select cinemas, with a maximum discount of ₹125 per ticket. The offer is available on the Paytm mobile app and is valid twice per calendar month, so up to 24 free tickets a year.
Practical example: a typical multiplex movie ticket in a metro city costs ₹250 to ₹500. The BOGO offer caps the second ticket discount at ₹125, so for a ₹350 ticket, you save the full ₹125. Two BOGO uses a month adds up to ₹3,000 in annual savings if you watch movies in theatres regularly with a partner.
Fuel Surcharge Waiver and Insurance
The card offers a 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000 at all fuel stations across India, capped at ₹300 per month. Note that fuel transactions do not earn reward points on this card, so the waiver is the only fuel benefit.
The card also includes free trip cancellation cover up to ₹10,000 on flight bookings made with the card. So if you book a domestic flight worth ₹15,000 on the card and need to cancel due to a covered reason, the insurance reimburses up to ₹10,000 of the cancellation charges.
Additional protection: 1 crore air accident cover, ₹5 lakh personal accident cover, and ₹50,000 lost card liability cover come bundled with the card. There is also 24/7 complimentary roadside assistance worth ₹1,399 (covering car or two-wheeler emergencies), available up to 4 times a year.
View FAQ
Commonly Asked Questions
How do I claim the ₹500 welcome voucher?
The voucher is auto-issued once you complete ₹5,000 in eligible primary card spends within 30 days of card generation. SMS or email arrives within 4 to 5 working days of meeting the threshold, with a redemption code valid for use on the chosen brand.
Can UPI spends count towards the ₹5,000 welcome trigger?
No, UPI transactions, add-on card spends, wallet loads, and EMI conversions are excluded from the welcome benefit calculation. Only direct primary card transactions on POS or online checkouts count towards the ₹5,000 spend criterion.
What if I miss the 30-day welcome window?
The welcome benefit is strictly tied to the 30-day window from card generation. Missing it means the offer lapses and cannot be reinstated. Plan a small ₹5,000 spend in the first week of receiving the card to lock in the ₹500 voucher.
Can I choose which brand voucher I receive?
Yes, you choose between Amazon, BigBasket, Uber, or Lifestyle vouchers during the redemption process. Pick the brand that aligns with your routine spending so the voucher does not lapse unused.
How much is one reward point worth in rupees?
One IDFC FIRST reward point is worth ₹0.25 in standard catalogue redemption. So 4,000 reward points equal ₹1,000 in redemption value. Premium IDFC FIRST cards (Mayura) offer enhanced redemption rates for hotel and flight bookings, but the Select card maintains the standard ₹0.25 conversion rate.
What spends count towards the 10X milestone?
Standard retail spends like shopping, dining, online purchases, and travel bookings count towards the ₹20,000 monthly milestone for 10X rewards. Education, wallet load, government, rent, property management, utility, insurance, FASTag, and railway spends do not count towards the milestone, even though some of them earn 1X or 3X points separately.
Do reward points expire on this card?
No, reward points on the IDFC FIRST Select Credit Card never expire as long as the card stays active. This is one of the cleanest reward designs in the Indian credit card market, since it removes the pressure to redeem within an arbitrary window.
What is the bonus on travel bookings via FIRST Rewards Gallery?
You earn a 33% bonus on hotel bookings and 13% bonus on flight bookings made through the FIRST Rewards Gallery section on the IDFC FIRST Bank Mobile App. This bonus is over and above the standard 3X or 10X tier rate, so the effective return on travel spends can be meaningfully higher.
Do EMI conversions earn reward points?
No, EMI spends are excluded from reward earning on this card. The original purchase may earn points at the time of swipe, but the bank reverses the points proportionally once the EMI conversion is processed.
Are wallet loads excluded?
Wallet load charges and fees are excluded from reward earning, although wallet loads themselves earn 3X reward points but do not count towards the 10X monthly milestone. Use UPI directly for wallet recharges where possible since this avoids any reward point reversals.
Where can I redeem my reward points?
Reward points can be redeemed for gift vouchers (Amazon, Flipkart, and others), merchandise, and travel bookings through the IDFC FIRST Bank Rewards portal at idfcfirstbank.com/rewards or directly through the IDFC FIRST Bank Mobile App. Travel redemptions through FIRST Rewards Gallery offer the best per-point value.
Are there caps on reward earning?
The IDFC FIRST Select Credit Card has no hard monthly cap on reward point earning across the 3X and 10X tiers. So heavy spenders can keep accruing at the same flat rate. The 1X rate on utility, insurance, FASTag, and railway spends does not contribute to the 10X milestone but earns at the standard 1 point per ₹200 rate.
How many domestic lounge visits do I get on this card?
You get 1 complimentary domestic airport lounge visit per quarter, totalling 4 visits a year. The benefit is for the primary cardholder only, with add-on cardholders not covered.
What is the spend condition for the airport lounge benefit?
You need to spend at least ₹20,000 in the current calendar month to unlock airport lounge access for the next month. Without this spend, the lounge visit for that quarter is not activated, even if it is your scheduled quarterly visit.
Is international lounge access available on this card?
No, the IDFC FIRST Select Credit Card offers only domestic airport lounge access. International lounge access is available on premium IDFC FIRST cards like the Wealth or Mayura, with their own spend-based eligibility conditions.
Can I take a guest to the airport lounge?
Guest entries on the airport lounge benefit are subject to standard lounge programme rules. The 1 complimentary visit per quarter is for the primary cardholder, and accompanying guests pay the standard guest rate (₹500 to ₹1,500 per guest depending on the lounge).
How many railway lounge visits do I get?
You get 4 complimentary railway lounge visits per quarter on the IDFC FIRST Select Credit Card, totalling 16 visits a year. This is one of the most generous railway lounge benefits in the lifetime free credit card category in India.
What is the spend condition for railway lounges?
Effective 20th February 2025, you need to spend ₹20,000 within the current calendar month to unlock railway lounge access for the next month. The same monthly spend qualifies you for both airport and railway lounge benefits.
What does the railway lounge offer?
Railway lounges across major Indian terminals offer 2 hours of stay with AC seating, a buffet meal, unlimited tea and coffee, Wi-Fi, and access to newspapers and magazines. The exact amenities vary by lounge, but the standard package covers a comfortable pre-departure stay.
At which railway stations are these lounges available?
Railway lounges are available at major Indian railway terminals including New Delhi, Mumbai CST, Howrah, Chennai Central, Bengaluru SMVT, Hyderabad Secunderabad, and other key metro and tier-1 stations. The IDFC FIRST Bank app maintains an updated list of participating lounges.
How does the movie BOGO offer work?
Book your movie tickets through the Paytm mobile app and pay with the IDFC FIRST Select Credit Card to get a Buy 1 Get 1 free offer on the second ticket, capped at ₹125. The offer is valid twice per month and applies to select cinema chains and shows on Paytm.
Is the movie offer available on BookMyShow?
The standard BOGO offer on this card runs through Paytm. BookMyShow offers may be available periodically through Axis Bank-side promotional campaigns, but the recurring monthly BOGO benefit is on Paytm only.
How many BOGO uses are allowed per month?
You can use the BOGO offer up to twice per calendar month, so up to 24 BOGO uses across a year. Each use is capped at ₹125 in second-ticket discount, with the cap resetting at the start of each month.
Is there a minimum ticket price for the BOGO?
The BOGO offer applies on the second ticket purchased in the same booking, with the discount capped at ₹125. There is no minimum first-ticket price, but the offer is most valuable when both tickets are priced above ₹250.
Do I earn reward points on fuel transactions?
No, fuel spends are excluded from reward earning on this card. You only get the 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per month.
How does the trip cancellation cover work?
The free trip cancellation cover provides up to ₹10,000 in reimbursement on flight bookings made with the card if you need to cancel due to a covered reason (medical emergency, accident, etc.). Submit the claim through the IDFC FIRST Bank insurance partner with required documentation.
What does the lost card liability cover include?
The lost card liability cover up to ₹50,000 protects against unauthorised transactions made on your card if it is lost or stolen. The cover applies from 24 hours before to 7 days after reporting the loss to the bank, so report any card loss immediately through the IDFC FIRST app or customer care.
How does the roadside assistance work?
The 24/7 roadside assistance covers car and two-wheeler emergencies (flat tyre, battery jump start, fuel delivery, towing, lockout assistance), available up to 4 times a year. Call the dedicated roadside assistance number printed on your card welcome kit to request service.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Gift Vouchers (Amazon, Flipkart, etc.)
- Merchandise
- Travel Bookings
To check redemption catalogue
Reward Points earned on the IDFC FIRST Select Credit Card are redeemed through the IDFC FIRST Bank Rewa...
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Reward Points earned on the IDFC FIRST Select Credit Card are redeemed through the IDFC FIRST Bank Rewa...
Reward Points earned on the IDFC FIRST Select Credit Card are redeemed through the IDFC FIRST Bank Rewards portal at idfcfirstbank.com/rewards or directly through the IDFC FIRST Bank Mobile App. The redemption flow is fully digital and the per-point value is ₹0.25 across most categories.
Step 1: Log in to the IDFC FIRST Bank Mobile App or the rewards portal using your registered credentials. Step 2: Navigate to the Rewards section and choose your category (gift vouchers, merchandise, travel bookings via FIRST Rewards Gallery, or point-of-sale redemption during transactions). Step 3: Select your item or amount, confirm with the OTP sent to your registered mobile, and the redemption is processed.
The most efficient redemption is through the FIRST Rewards Gallery for travel bookings (flights and hotels), where the per-point value can be enhanced through the bonus reward structure (33% bonus on hotels, 13% bonus on flights). Gift voucher redemption sits at the standard ₹0.25 per point, while merchandise redemption sometimes carries minor markups.
To put redemption value in real numbers: an active cardholder spending ₹40,000 a month accumulates roughly 19,200 reward points over a year. Redeemed for gift vouchers at ₹0.25 per point, that is ₹4,800 in annual reward value. Redeemed through FIRST Rewards Gallery for hotel bookings, the effective return rises to roughly ₹6,400 thanks to the 33% bonus.
Note that IDFC FIRST Bank charges a reward redemption handling fee of ₹99 plus GST per redemption request. So plan larger redemptions to amortise the fee, rather than multiple small redemptions.
View FAQ
Commonly Asked Questions
How do I redeem my reward points?
Log in to idfcfirstbank.com/rewards or the IDFC FIRST Bank Mobile App, navigate to Rewards, choose your redemption category (gift vouchers, merchandise, or FIRST Rewards Gallery for travel), select your item or amount, confirm with OTP, and the redemption is processed within 3 to 7 working days for catalogue items.
Is there a minimum point balance for redemption?
The minimum redemption threshold varies by category. For gift vouchers, the threshold is around 200 points. For travel bookings via FIRST Rewards Gallery, the minimum depends on the booking value and partner. Statement credit redemption thresholds are higher.
What is the rupee value of one reward point?
One IDFC FIRST reward point is worth ₹0.25 in standard catalogue redemption. So 4,000 points equal ₹1,000. Travel bookings through the FIRST Rewards Gallery give a 33% bonus on hotels and 13% on flights, lifting the effective per-point value above ₹0.25.
Is there a fee for reward redemption on this card?
Yes, IDFC FIRST Bank charges ₹99 plus GST per redemption request, regardless of the redemption value. So a single redemption of 4,000 points (₹1,000) costs you ₹117 in handling fees, while a redemption of 20,000 points (₹5,000) carries the same flat fee. Plan larger redemptions to amortise the cost.
How long do reward points stay valid?
Reward points on the IDFC FIRST Select Credit Card never expire as long as the card stays active. This is one of the cleanest reward designs in the Indian credit card market.
Can I redeem points at the point of sale?
Yes, IDFC FIRST Bank offers point-of-sale reward redemption during transactions. You can use accumulated points to pay for part or all of an eligible transaction directly at checkout, subject to the participating merchant and minimum transaction value.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
ATM Cash Withdrawals
Cash Advances
EMI Spends
Fuel Spends
Fuel Surcharge
Wallet Reload
Charges
Bank Charges & Fees
Interest Charges
Financial Charges
Processing Fees
Service/Interest Charges
Taxes
All Reversals
Cancelled Transactions
Refunds/Reversals
Balance Transfer
Loan Transactions
Government-related Transactions
For Spends Waiver
ATM Cash Withdrawals
Cash Advances
EMI Spends
Fuel Spends
Fuel Surcharge
Wallet Reload
Charges
Bank Charges & Fees
Interest Charges
Financial Charges
Processing Fees
Service/Interest Charges
Taxes
All Reversals
Cancelled Transactions
Refunds/Reversals
Balance Transfer
Loan Transactions
Government-related Transactions
While the IDFC FIRST Select Credit Card earns reward points across most retail categories, several spen...
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While the IDFC FIRST Select Credit Card earns reward points across most retail categories, several spen...
While the IDFC FIRST Select Credit Card earns reward points across most retail categories, several spending categories are excluded from the rewards programme or carry differentiated rates. Understanding this list upfront helps you plan spends and avoid the disappointment of zero points on routine swipes.
The fully excluded categories on this card are: ATM cash withdrawals, cash advances, EMI spends, fuel spends, fuel surcharge, wallet reload charges, bank charges and fees, interest charges, financial charges, processing fees, service or interest charges, taxes, all reversals, cancelled transactions, refunds and reversals, balance transfers, loan transactions, and government-related transactions.
Some categories earn reward points but at differentiated rates. Utility, insurance, FASTag, and railway spends earn 1X reward points (1 point per ₹200) and do not contribute towards the ₹20,000 monthly milestone for the 10X tier. Education, wallet load, government, rent, and property management transactions earn 3X reward points but also do not count towards the milestone.
Real-world impact: if your monthly spending is ₹50,000 and ₹10,000 of it goes to fuel and EMI, you lose out on the points those spends would have otherwise earned. More importantly, those spends do not contribute to the ₹20,000 monthly milestone, so reaching the 10X accelerated tier requires non-excluded spends.
Beyond reward exclusions, FASTag recharges above ₹10,000 in a billing cycle attract a 1% surcharge on this card. Railway ticket bookings above ₹25,000 in a billing cycle also attract a 1% surcharge. So heavy FASTag and railway users should be aware of these additional charges.
View FAQ
Commonly Asked Questions
Do I earn reward points on rent payments?
Rent payments earn 3X reward points but do not count towards the ₹20,000 monthly milestone for the 10X tier. The card also charges a 1% rent payment convenience fee. So while you earn some points, the fee plus the missed 10X qualification often makes paying rent through this card a marginal proposition.
Are utility bills eligible for rewards?
Utility bill payments earn 1X reward points (1 point per ₹200) on this card, with each point worth ₹0.25. So the effective return on utility bills is roughly 0.125%. Utility spends do not count towards the 10X monthly milestone either.
Do I earn rewards on FASTag recharges?
FASTag recharges earn 1X reward points up to ₹10,000 in a billing cycle. Recharges above ₹10,000 in a billing cycle attract a 1% surcharge plus GST, on top of not earning any extra reward points.
Why are EMI conversions excluded from rewards?
EMI conversions are excluded because the bank earns lower interchange revenue on EMI transactions and recovers the EMI processing cost separately. So once a transaction is converted to EMI, the original reward points are reversed.
Are wallet loads excluded from rewards?
Wallet loads themselves earn 3X reward points but do not count towards the 10X monthly milestone. Wallet reload charges (any fee component) are fully excluded from rewards. UPI-based wallet recharges may have different rules; check the IDFC FIRST app for the latest rates.
What is the 1% surcharge on FASTag and railway spends?
Effective 2026, FASTag recharges above ₹10,000 in a billing cycle attract a 1% surcharge, and railway ticket bookings above ₹25,000 in a billing cycle also attract a 1% surcharge. These are over and above standard transaction costs.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 1.99% |
APR Fees 3.85% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases. | 3.85% |
ATM withdrawal A flat fee of ₹199 plus applicable GST is charged per cash withdrawal using the credit card. | ₹199 |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees Not Applicable | Not Applicable |
Cash Payment Fees Not Applicable | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 - ₹100 |
| ₹500 | ₹500 |
| ₹5000 | ₹5000 |
| ₹8000 | ₹8000 |
| ₹10,000 | ₹10,000 |
| ₹10,000 & above | ₹10,000 & above |
The IDFC FIRST Select Credit Card is lifetime free, but several transaction-side fees apply when trigge...
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The IDFC FIRST Select Credit Card is lifetime free, but several transaction-side fees apply when trigge...
The IDFC FIRST Select Credit Card is lifetime free, but several transaction-side fees apply when triggered. Here is a fee-by-fee breakdown with practical rupee examples so you know exactly what to expect on your statement.
Joining Fee: The joining fee is ₹0. The card is lifetime free, so no fee is charged at the time of card issuance. Practical impact: you start with a clean slate, with the welcome ₹500 voucher (on ₹5,000 spend within 30 days) effectively giving you negative first-month cost.
Annual or Renewal Fee: The annual fee is ₹0. There is no recurring annual or renewal fee charged at any card anniversary, regardless of your spending pattern. So the card stays free year after year.
APR or Interest Rate: The APR is 3.75% per month (about 45% annualised) on rolled-over balances. Credit cards offer an interest-free period of 20 to 55 days, but missing your due date triggers interest from the original transaction date. Practical example: carrying an unpaid balance of ₹10,000 for one month accrues roughly ₹375 in interest. To avoid heavy interest, convert large purchases to EMIs (where standard rates are around 16% per annum) instead of paying just the minimum due. Failing to pay even the EMI on time can push the effective annual interest closer to 43.2%.
Late Payment Charges: Late payment fees follow a 6-slab structure. ₹0 for outstanding up to ₹100, ₹100 for ₹101 to ₹500, ₹500 for ₹501 to ₹5,000, ₹700 for ₹5,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, and ₹1,200 for outstanding above ₹25,000. Practical example: missing the minimum due on an outstanding of ₹15,000 attracts an ₹800 late fee. Late Payment charges apply if the Minimum Amount Due is not paid by the payment due date.
Foreign Transaction or Forex Markup Fee: The forex markup is 2% on every transaction made in a non-INR currency. This is among the lowest forex markups in the Indian credit card market for a lifetime free card. Practical example: a USD 100 purchase abroad (roughly ₹8,300 at current INR rates) attracts a forex markup of ₹166 plus 18% GST on the markup, totalling roughly ₹196 in extra charges. Compare this to standard 3.50% forex cards where the same transaction would cost ₹343, a saving of ₹147 per ₹8,300 international spend.
ATM Cash Withdrawal Fee: ATM cash withdrawal on the credit card attracts a fee of 3% of the withdrawn amount, with a minimum charge of ₹300 where applicable. On top of this, interest at 3.75% per month starts accruing from the day of withdrawal, with no interest-free grace period. Practical example: withdrawing ₹10,000 in cash on the credit card costs ₹300 in cash advance fee plus ₹375 in monthly interest, so even one month of unpaid balance costs ₹675 on a ₹10,000 withdrawal. Avoid cash withdrawals on credit cards.
Rent Payment Convenience Fee: The card charges a 1% convenience fee on rent payment transactions, plus applicable GST and platform-side charges. Practical example: paying ₹30,000 in rent through this card costs ₹300 in convenience fee plus ₹54 GST, totalling ₹354 in extra charges. Rent payments earn 3X reward points but do not count towards the 10X monthly milestone. Use UPI or direct net banking instead for rent payments where possible.
Railway Surcharge: Railway booking and cancellation charges on this card are levied as prescribed by IRCTC or Indian Railways. The standard IRCTC convenience fee for credit card payments is around ₹30 per booking. Additionally, railway ticket bookings above ₹25,000 in a billing cycle attract a 1% surcharge on this card.
Cash Payment Fee: Paying your credit card bill in cash at an IDFC FIRST Bank branch costs ₹299 plus GST per transaction, totalling roughly ₹353. Practical example: paying a ₹20,000 bill in cash adds ₹353 to your cost. Use UPI, NEFT, or auto-debit instead since they are free and instant.
Cheque Payment Fee: Bill payment by cheque attracts a fee of ₹100 plus GST per transaction (₹118 total). Cheque payments also take 2 to 3 working days to clear, so if your due date is close, the late payment risk is high.
Reward Redemption Fee: A reward redemption handling fee of ₹99 plus GST is charged per redemption request. Practical example: redeeming 4,000 reward points (₹1,000) costs ₹117 in fees, while redeeming 20,000 points (₹5,000) carries the same flat fee. Plan larger redemptions to amortise the cost.
FASTag Surcharge: FASTag recharges above ₹10,000 in a billing cycle attract a 1% surcharge on this card. Practical example: a ₹15,000 FASTag recharge in a single billing cycle attracts a 1% surcharge of ₹150 on the amount above ₹10,000. So the surcharge applies only on the incremental ₹5,000.
Below is a consolidated summary of all fees on the IDFC FIRST Select Credit Card. Amounts are exclusive of GST unless explicitly stated.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| APR (Monthly Interest) | 3.75% per month |
| Late Payment Fee | ₹0 to ₹1,200 (slab based) |
| Forex Markup | 2.00% |
| ATM Cash Withdrawal Fee | 3% of withdrawn amount (min ₹300) |
| Rent Payment Convenience Fee | 1% of transaction amount |
| Railway Surcharge | As prescribed by IRCTC; 1% above ₹25K per cycle |
| Cash Payment Fee | ₹299 plus taxes |
| Cheque Payment Fee | ₹100 plus taxes |
| Reward Redemption Fee | ₹99 per redemption (plus GST) |
| FASTag Surcharge | 1% on amounts above ₹10K per cycle |
View FAQ
Commonly Asked Questions
What is the interest rate on the IDFC FIRST Select Credit Card?
The monthly interest rate is 3.75%, working out to approximately 45% annualised on rolled-over balances. Pay your bill in full every month to avoid this charge.
How much is the late payment charge?
Late payment fees range from ₹0 (for outstanding up to ₹100) to ₹1,200 (for outstanding above ₹25,000), based on the slab of your unpaid amount. Late payment charges apply if the Minimum Amount Due is not paid by the due date.
What is the forex markup on this card?
The forex markup is 2% on all non-INR transactions, plus 18% GST on the markup itself. So a ₹10,000 international purchase attracts ₹200 in markup plus ₹36 in GST. This is among the lowest forex markups available on a lifetime free card in India.
Is there a rent payment fee on this card?
Yes, rent payment transactions attract a 1% convenience fee plus GST. Rent payments earn 3X reward points but do not count towards the 10X monthly milestone. So paying rent through this card delivers marginal value at best.
Is there a fee for ATM withdrawals?
Yes, ATM withdrawals on this credit card attract a 3% cash advance fee (minimum ₹300), plus 3.75% monthly interest from the day of withdrawal. Cash withdrawal on credit cards is one of the most expensive financial moves and should be avoided.
Are there charges for paying my bill in cash or cheque?
Yes, paying your bill in cash at an IDFC FIRST Bank branch costs ₹299 plus GST per transaction, and cheque payments cost ₹100 plus GST. Use UPI, NEFT, RTGS, or auto-debit since they are free and instant.
Why is there a ₹99 reward redemption fee?
The ₹99 plus GST fee applies per redemption request, regardless of the redemption value. So a single redemption of ₹1,000 worth of points costs the same ₹117 fee as a ₹5,000 redemption. Plan larger, less frequent redemptions to amortise this cost.
Are there any over-limit charges?
Yes, transactions that exceed your assigned credit limit attract over-limit fees. IDFC FIRST Bank charges 2.5% of the over-limit amount, subject to a minimum charge of ₹500. Track your available limit on the IDFC FIRST Bank Mobile App to avoid this.
What happens if I pay only the minimum amount due?
Paying only the minimum amount due (5% of the outstanding) avoids the late payment fee, but interest at 3.75% per month starts accruing on your remaining balance from the original transaction date. So minimum payment is a short-term fix, not a long-term plan.
Can I get an EMI conversion on big-ticket purchases?
Yes, IDFC FIRST Bank offers EMI conversion on transactions of ₹2,500 and above, with tenures from 3 to 24 months. EMI interest rates start at around 16% per annum, significantly cheaper than the 45% APR on rolled-over balances.
Is GST charged on credit card fees?
Yes, 18% GST is charged on all credit card fees and charges, including late payment fee, forex markup, cash advance fee, and reward redemption fee. Since the joining and annual fees are zero, no GST applies on those line items.
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Documents Required
IDFC FIRST Bank requires a standard set of KYC and income proof documents during the IDFC FIRST Select Credit Card application. Keep digital copies ready before you start the application to make the process smooth.
Required documents for salaried applicants: PAN card, Aadhaar card, latest 3 months of salary slips, latest 6 months of bank statements showing salary credits, and a passport-size photograph. Fresh hires can substitute their appointment letter for missing salary slips.
Required documents for self-employed applicants: PAN card, Aadhaar card, latest 2 years of ITR, latest 6 months of business bank statements, GST registration certificate (where applicable), and proof of business existence (like a partnership deed, Udyam certificate, or business registration document).
NRIs are not eligible for the standard IDFC FIRST Select Credit Card. Address proof can be the Aadhaar card itself, or alternative documents like a passport, voter ID, driving licence, or a recent utility bill (not older than 3 months).
View FAQ
Commonly Asked Questions
Is a PAN card mandatory for the IDFC FIRST Select Credit Card?
Yes, PAN card is mandatory for all Indian credit card applications since it is needed for KYC, credit bureau pulls, and tax reporting. Applications without PAN are not processed.
Can I apply without a salary slip?
Salaried applicants need to submit salary slips. Fresh hires without 3 months of salary slips can submit their appointment letter and recent bank statements showing salary credits as alternatives.
What address proof is accepted?
Aadhaar card is the most widely accepted address proof. Other accepted documents include passport, voter ID, driving licence, utility bills not older than 3 months, and registered rent agreements.
Can I use a digital Aadhaar for application?
Yes, IDFC FIRST Bank accepts digitally signed Aadhaar (e-Aadhaar) downloads from the UIDAI portal. The bank verifies the QR code on the digital Aadhaar during KYC, so a physical copy is not needed.
Are bank statement requirements lenient for this card?
IDFC FIRST Bank requires the latest 6 months of bank statements for salaried applicants to verify salary credits and consistent income. Self-employed applicants need 6 months of business bank statements plus 2 years of ITR.
Do I need to submit a photograph?
For online applications with Video KYC, the system captures your photograph during the KYC video call, so a separate photograph upload is not needed. Offline applications at branches require one passport-size photograph.
Credit Limit and What to Expect
IDFC FIRST Bank sets the credit limit on the Select card individually for each applicant, based on income, credit bureau profile, existing obligations, and overall banking relationship. There is no fixed published number.
For a salaried applicant earning ₹1 lakh to ₹2 lakh a month, the starting credit limit sits between ₹1.5 lakh and ₹4 lakh. Higher income brackets (₹3 lakh plus monthly) often see opening limits between ₹5 lakh and ₹10 lakh. Self-employed applicants with strong ITR-backed income and good CIBIL scores fall into similar ranges.
An important note: if you already hold an unsecured credit card from IDFC FIRST Bank, your new credit card will share the credit limit across all unsecured cards. So holding the FIRST Select alongside the FIRST Classic or FIRST Millennia means the limit is pooled, not duplicated.
IDFC FIRST Bank reviews card usage every 6 to 12 months and offers limit enhancements if the card has been used consistently with timely payments. Limit enhancement is also offered on request with supporting income proof.
View FAQ
Commonly Asked Questions
What is the starting credit limit on the IDFC FIRST Select Credit Card?
For a salaried applicant earning ₹1 lakh to ₹2 lakh a month, the typical opening credit limit ranges from ₹1.5 lakh to ₹4 lakh. Limits scale upwards based on declared income, CIBIL score, and existing relationship with IDFC FIRST Bank.
Will the limit be shared with my other IDFC FIRST cards?
Yes, if you already hold an IDFC FIRST Bank unsecured credit card, the new credit card shares the same credit limit. The limit is pooled across all unsecured cards, not duplicated for each card. So plan total spending across all your IDFC FIRST cards within the shared limit.
How can I increase my credit limit?
You can request a limit enhancement after 6 to 12 months of consistent card usage and timely payments. Submit your latest 3 months of salary slips or revised ITR through the IDFC FIRST Bank Mobile App or net banking.
Will using the full credit limit hurt my credit score?
Using more than 30% of your credit limit consistently can lower your CIBIL score, even if you pay the bill in full. So if your limit is ₹3 lakh, try to keep your monthly statement balance under ₹90,000 to maintain a healthy credit utilisation ratio.
What is the cash withdrawal limit on this card?
The cash withdrawal limit is set at 20% to 40% of your total credit limit. So a ₹3 lakh limit allows cash withdrawals between ₹60,000 and ₹1.2 lakh, although ATM withdrawals carry a 3% fee plus 3.75% monthly interest, making them an expensive option.
How often does IDFC FIRST Bank review credit limits?
IDFC FIRST Bank conducts a portfolio review every 6 to 12 months and offers automatic limit enhancements to qualifying cardholders. Manual reviews can also be requested with updated income proof at any time after 6 months of card activity.
How to Apply?
Applying for the IDFC FIRST Select Credit Card is largely digital and most salaried applicants get a decision within 24 to 72 hours. Physical card delivery takes 5 to 10 working days from approval.
The fastest route is online. Visit the IDFC FIRST Bank website, select the Select Credit Card, and click Apply Now. Fill in your personal details (name, mobile, PAN, date of birth, employment type, monthly income, current city), upload soft copies of your KYC documents, and complete a Video KYC if you are not already an IDFC FIRST Bank customer.
The IDFC FIRST Bank Mobile App also supports end-to-end credit card applications, including instant decisioning for eligible applicants. Existing IDFC FIRST Bank account holders can often get pre-approved card offers directly within the app.
The offline route involves visiting an IDFC FIRST Bank branch with physical document copies. This is sometimes preferred by applicants who want a relationship manager to walk through the application process.
Once submitted, IDFC FIRST Bank runs a credit bureau pull, verifies your KYC, conducts income verification, and either issues an approval or asks for additional documents. After approval, you receive a virtual card immediately for online use, while the physical card is shipped to your registered address along with the welcome kit and a separate PIN mailer.
Track your application status online using the IDFC FIRST Bank application tracker with your application reference number, registered mobile number, and date of birth.
View FAQ
Commonly Asked Questions
How do I apply for the IDFC FIRST Select Credit Card online?
Go to the IDFC FIRST Bank website or open the IDFC FIRST Bank Mobile App, navigate to Credit Cards, select Select, click Apply Now, fill the form, upload your KYC documents, and complete Video KYC. The whole process takes 15 to 20 minutes if your documents are ready.
How long does it take to get the card after applying?
Approval is granted within 24 to 72 hours of a complete application. The virtual card is issued immediately after approval for online use, and the physical card is delivered within 5 to 10 working days. The PIN arrives separately within another 3 to 5 working days.
Is Video KYC mandatory for the application?
Video KYC is required for new-to-bank customers. Existing IDFC FIRST Bank account holders with completed KYC can skip Video KYC since the bank uses their existing records.
Can I track my application status online?
Yes, IDFC FIRST Bank provides an online application tracker on its website and within the mobile app. Enter your application reference number along with your registered mobile and date of birth to view real-time status updates.
What happens if my application is rejected?
If your application is declined, IDFC FIRST Bank notifies you by SMS or email. Common reasons include CIBIL score below 750, recent missed payments on existing loans, insufficient income proof, or high credit utilisation on other cards. You can reapply after 90 days once the underlying issue is resolved.
Will applying for this card affect my credit score?
The bank does a hard pull on your credit bureau report during application, which can dip your CIBIL score by 5 to 10 points temporarily. Once the card is active and you make timely payments for 3 to 6 months, your score recovers and benefits from the additional credit line.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹750 Rewards
Top Benefits
Earn 3X Reward Points on Rental, Government, Education
and Wallet Load Spends i.e. 3 reward points per ₹200 spent
Earn 10X Reward Points on Eligible
spends i.e. 10 reward points per ₹200 spent (1 point = ₹0.25), reward points never expire
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