FIRST Select - Lounge Access Credit Card Online

No, the IDFC FIRST Select Credit Card is lifetime-free. You do not have to pay any joining, membership, or annual fees at any point. This feature allows you to enjoy premium benefits without incurring extra costs, making the card accessible and cost-effective for long-term usage. To know more about lifetime-free credit cards, click here.

What is lifetime free credit card to understand the meaning of this type card in detail.

The interest rate on your IDFC FIRST Select Credit Card ranges from 8.5% to 46.2% per annum. The actual APR applied depends on your credit score, repayment history, and usage pattern. Maintaining responsible usage and timely repayments can help you secure a lower applicable interest rate.

Yes, you can use your IDFC FIRST Select Credit Card to withdraw cash from ATMs across India and abroad. Cash withdrawals are interest-free for up to 45 days, but a nominal transaction fee of ₹199 plus GST is applicable for each withdrawal, irrespective of the amount withdrawn.

Here are the various ways to generate PIN for the IDFC FIRST Bank Select Credit Card

Net Banking

Pre-login

• Click on ‘Generate Credit Card PIN’ on the pre-login page [https://my.idfcfirst.bank.in/login]

• Enter your customer ID and credit card number and click on ‘Get OTP’

• Verify using the OTP sent on your registered mobile number

• Enter and re-enter a PIN of your choice and click on ‘Confirm’

• Your credit card PIN is set

Login

• Login to your Net Banking account

• Select ‘Credit Cards’

• Select ‘Set new PIN’

• Enter and re-enter a PIN of your choice and click on ‘Get OTP’

• Please verify using the OTP sent to your registered mobile number

• Your credit card PIN is set

Mobile Banking App

Pre-login

• Select the browse icon from the top menu on the login page

• Enter your customer ID and credit card number and click on ‘Get OTP’

• Verify using the OTP sent to your registered mobile number

• Enter and re-enter a PIN of your choice and click on ‘Confirm’

• Your credit card PIN is set

Login:

• Login to Mobile Banking App

• Access the ‘Credit Card’ section

• Select ‘Set new PIN’

• Enter and re-enter a PIN of your choice and click on ‘Get OTP’

• Your credit card PIN is set

Customer Care:

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

You must enter your PIN to complete transactions within India, as it serves as a security measure to confirm that the payment is authorised by you. While using your card in foreign countries, PIN entry is required only if the POS terminal supports PIN-based authentication.
You can also make payments using the tap-and-go (contactless) feature, which must be activated through the IDFC FIRST Bank mobile banking app. This method allows payments of up to ₹5,000 per transaction.

Once your IDFC FIRST Select Credit Card is activated, spend ₹5,000 or more within 30 days to receive a ₹500 gift voucher from leading brands such as Amazon, BigBasket, Uber, or Lifestyle. Additionally, enjoy 5% cashback up to ₹1,000 on your first EMI transaction made within 30 days of card activation. Read our blog on Benefits of FIRST Select Credit Card to learn more about this card.

The IDFC FIRST Select Credit Card comes with benefits like discounts on 300+ brands, movie tickets, and complimentary airport lounge access, among others.

• Travel: Leverage exclusive deals on platforms like EaseMyTrip, Adani One, Goibibo, and Ixigo.

• Shopping: Avail discounts at top brands such as TataCliq, Croma, Myntra, and Lifestyle.

• EMI offers: Enjoy no-cost EMI options on purchases from LG, Vijay Sales, Pepperfry, and Oppo.

• Dining: Treat yourself to exciting offers on Zomato, District, Faasos, Domino’s, and more.

In addition, get railway lounge visits, travel insurance, wellness benefits, and in-app offers on your favourite brands—all year long.

The IDFC FIRST Select Credit Card charges a low forex markup of just 1.99% on international transactions. This makes overseas travel and foreign online purchases more affordable. 

Whether you’re spending abroad or shopping on international platforms from India, you enjoy minimal currency conversion charges with this premium credit card.

Enjoy a Buy-One-Get-One free movie ticket offer with your IDFC FIRST Select Credit Card through the Zomato-owned District app. The offer provides a discount of up to ₹125 on the second ticket and can be availed twice per month, making movie nights more fun and budget-friendly.

Effective 18^th June 2026, your Buy 1 Get 1 movie ticket offer continues every month, now with spends of ₹20,000 or more in the previous calendar month on your card. ​

For example, to avail the movie benefit in July 2026, you must have spent Rs.20,000 or more in June 2026 calendar month. Click here for further details.

Yes, 1 complimentary visit per quarter at domestic airports with the IDFC FIRST Select Credit Card. To qualify, you need to spend ₹20,000 or more in the current calendar month. Once eligible, your access gets activated in the next month, offering a relaxing travel experience.

Yes. You will earn:​

- 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday​

- 3X reward points on spends up to ₹20,000 in a statement cycle​

- 3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions​

- 1X reward point on utility bill payments, railway spends, FASTag recharges and insurance premium payments.​

The reward points you earn stay with you forever, as long as the card is active.​

Categories not included in the 10X Reward Points threshold, include Rental & Property Management, Government Services, Education, Wallet Load, Utility, Insurance, FASTag Recharges and Railway Spends. Reward points will not be earned on spends converted to EMI, Cash Withdrawal, Fuel, Fee, and Charges.​

1X equals 1 reward point for every ₹200 spent in a transaction. The value of 1 reward point is ₹0.25. 

Effective 18^th June 2026, you will earn:​

- 10X Reward Points on Dining, Travel, and International purchases and spends done on your birthday.​

- 3X Reward Points on all other eligible spend categories; except insurance, utilities, railways and FASTag recharges​

- 1X Reward Points on Insurance premium payments, Utility bill payments, Railway spends and FASTag recharges. Click here for further details.​

IDFC FIRST Bank will inform customers via email in the first week of every month

a. You will be eligible for CFAR If you have made at least 1 transaction on your IDFC FIRST Select Credit Card in the calendar month preceding the start of the policy period. For example, spends in June 2023 will make you eligible for policy period 1st July 2023 till 30th April 2024.

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

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

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

CFAR is a complimentary benefit offered to select IDFC FIRST Credit Card holders at no additional cost.

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

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

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

If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.

If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. However, the limit will be shared across all unsecured credit cards.

Yes. You will earn:​

- 10X never-expiring reward points for incremental spends above ₹20,000 in a statement cycle and spends done on your birthday.​

- 3X never-expiring reward points on spends up to ₹20,000 in a statement cycle.​

- 3X reward points on Education, Wallet Load, Government payments, Rent and Property Management/Purchase transactions.​

- 1X never-expiring reward point on utilities, insurance, FASTag and railways transactions. Spends in these categories will not be considered for the 10X monthly milestone.​

- Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.​
(1X reward point is given for every ₹200 spent in a transaction. Value of 1 reward point is ₹0.25)​

Yes, certain transactions are excluded from earning 10X reward points on the IDFC FIRST Select Credit Card. These include payments related to Rental & Property Management, Government Services, Education, Wallet Load, Utility, Insurance, FASTag Recharges and Railway or transactions like fuel, EMI transactions & cash withdrawals. Regular eligible spends continue to earn accelerated rewards as per the card’s defined earning structure.

Effective 18^th June 2026, you will earn 10X Reward Points starting from your very first eligible transaction -on Dining, Travel, and International purchases and spends done on your birthday. Earlier, 10X RewardPoints were only unlocked after spending ₹20,000 in a billing cycle. Now, every eligible transaction in thesecategories gets you accelerated Reward Points right away.

You can redeem reward points earned on the IDFC FIRST Select Credit Card through the FIRST Rewards Gallery portal or mobile banking app. Visit the portal, choose from options like e-vouchers, gift cards, or flight bookings, and follow the steps to redeem. A handling fee of ₹99 + GST applies per redemption. These points never expire, allowing flexibility in usage.

No, the reward points earned on your IDFC FIRST Select Credit Card do not expire. You can accumulate them over time and redeem them whenever you choose, without worrying about expiry. This flexibility allows you to maximise the value of your rewards based on your personal spending and preferences.​

​Effective 18^th June 2026, Reward Points will be valid for 24 months, giving you ample time to redeem them at your convenience i.e. Reward Points earned from July 2026 statement cycle will be valid for 24 months from the date they are credited

The reward points will get credited upon statement generation. Reward points will be posted in Card Account only when the Minimum Amount Due (MAD) has been realised on or before the Payment Due Date (PDD).

Apart from complimentary lounge access, the IDFC FIRST Select Credit Card offers several travel-related benefits. Cardholders can enjoy a low 1.99% forex markup on international transactions, making it ideal for overseas travel. Additionally, you get CFAR (Cancellation for Any Reason) trip cancellation benefit of up to ₹10,000 for hotel & flight bookings, covering your last-minute change in plans. You can access exclusive travel deals and discounts on platforms like EaseMyTrip, Goibibo, and Ixigo. Complimentary travel insurance coverage further enhances the card’s value for frequent travellers, offering convenience  during international trips.

The IDFC FIRST Select Credit Card includes a comprehensive suite of insurance benefits. These include an air accident cover, personal accident cover , CFAR (Cancellation for Any Reason) trip cancellation benefit, purchase protection, credit shield, and lost card liability cover to protect against unauthorised transactions, and comprehensive travel insurance for added peace of mind during international travel. Additionally, it offers 24/7 roadside assistance to ensure help is available in case of vehicle breakdowns, making it a well-rounded card for safety and convenience on the go.

The IDFC FIRST Select Credit Card offers complimentary lounge access at domestic airports in India only. Currently, it does not provide free access to international airport lounges. However, it is a valuable travel credit card with a low forex markup and comprehensive travel-related benefits.

The IDFC FIRST Select Credit Card offers 1 complimentary domestic airport lounge access per quarter (four annually) on a minimum spend of ₹20,000 in the previous calendar month. Additional visits beyond the complimentary quota will incur charges, which are billed to your card. To access the lounge, present your card and a valid boarding pass for travel on the same or next day.