IDFC FIRST Select
IDFC FIRST Bank · Reward Points · Reward Points
This comprehensive guide covers the IDFC FIRST Select's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The IDFC FIRST Select from IDFC FIRST Bank offers reward points rewards redeemable as reward points. Top earning categories include 10x rewards above spend threshold and more. This card has no annual fee.
Best for: General Online, Online Retail, Travel, Electronics Accessories
Official product page → Official rules →
Annual fee: ₹0
Waiver: No joining or annual fee
Waiver: No joining or annual fee
Reward Rules
- 6.667 pts/$100 10X rewards above spend threshold
- 2 pts/$100 3X rewards
Important Notes
- Insurance, rent, wallet loads, fuel and excluded MCCs may earn reduced or no rewards.
🎁 Apply with referral — Earn up to ₹1,500
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
IDFC FIRST Select vs Similar Cards
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
- Axis Bank MyZone Credit Card — Reward Points · ₹500
Maximize Your Rewards
To earn the highest rewards, use the IDFC FIRST Select for its bonus categories: General Online, Online Retail, Travel, Electronics Accessories, Dining.