Advantages of the FIRST Select Credit Card you probably didn’t know about

Summary: Get all the advantages of a credit card with no annual or joining fees on credit card use: premium lifestyle and travel benefits, with UPI compatibility too!

07 Feb 2026 by Team FinFIRST

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As a credit card user, you want to maximize the advantages of a credit card while keeping costs to a minimum. So, it’s important to do your research before applying for a credit card. If you are considering the FIRST Select Credit Card benefits and whether it meets your criteria, you’ve come to the right place.

Puja, a Learning & Development Manager in an auto company, was experiencing fewer and fewer benefits from her credit card. She used both her credit card and UPI wallet on her work trip across India. Keeping track of her expenses across credit card statements and wallet statements while keeping an eye on the transaction charges and reward expiration was not appealing to her. As a result, her colleague suggested choosing the right card for her.

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FIRST Select: What makes it the perfect credit card?

Puja started looking for a credit card with premium privileges, particularly in travel, along with card acceptability across the land. FIRST Select Credit Card offers it all for zero joining and annual fees. Here’s a look at the features that convinced her -

Unmatched travel benefits – With FIRST Select Credit Card, she would look forward to the complimentary domestic airport lounge access and four railway lounge visits per quarter. The card gets her offers on flights and hotels while offering trip cancellation cover of ₹ 10,000 on both.
Reward program – FIRST Select Credit Card use accumulates up to 10X Reward Points on Dining, Travel, and International purchases from the first transaction and on her birthday, which can be so easily redeemed that it is as good as money. Reward Points are valid for 24 months from the date they are credited.
UPI linkage – In remote locations and small shops, you may not get to enjoy the advantages of a credit card. But FIRST Select Credit Card can be linked with UPI, by opting for a virtual RuPay add-on card. Now Puja can make an UPI payment using her FIRST Select Credit Card limit and earn 3X rewards while doing so!

Puja can now track all her expenses through her credit card statement. She neither needs to use a UPI wallet that hits the savings account, nor a payments bank Savings Account. Managing finances without the hassle of juggling multiple account statements seems like a blessing to her.

Getting your FIRST Select Credit Card

The FIRST Select Credit Card can be all yours in a few simple online steps,

Provide your name, date of birth and phone number
Provide your personal, income and occupation details and submit
Your application gets approved after IDFC FIRST Bank internally processes it

Join the select few

The FIRST Select Credit Card gives you numerous advantages of a credit card besides the ones around travel, rewards and UPI linkage. Apply for the credit card today!

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.