Card catalog
IDFC First Bank
VISA
First Select
•••• 4421LIFETIME FREE
IDFC First Bank

First Select

Approximate, being verifiedVisaLifetime free
Free
no annual fee, ever
1%
base reward rate
700+
min. credit score

Rewards

15 rules
offline shopping
reward points · not on UPI · excl. fuel, insurance, emi
2.4%
cap: none
~82%
reward points · not on UPI · excl. fuel, insurance, emi
4.8%
cap: none
~82%
reward points · not on UPI
10%
cap: ₹1,500/mo
~82%
accelerated
reward points · not on UPI · excl. fuel, emi, cash advance, rent, govt payments, education, wallet load, utility, insurance, fastag, railway
5%
cap: none
~82%
Everything else
cashback · not on UPI · excl. jewelry
5%
cap: ₹1,000/mo
~82%
milestone
reward points · not on UPI · excl. fuel, insurance, emi
8%
cap: none
~82%
reward points · not on UPI · excl. fuel, emi, cash advance, utility, insurance, railway, wallet load, government, education
5%
cap: none
~82%
reward points · not on UPI
2.4%
cap: none
~82%
international
reward points · not on UPI · excl. fuel, emi, cash advance, utility, insurance, wallet load, government, education, railway
5%
cap: none
~82%
cashback · not on UPI
1%
cap: ₹300/mo
~82%
reward points · not on UPI
0.5%
cap: none
~82%
Everything else
reward points · not on UPI
1.5%
cap: none
~82%
reward points · not on UPI
20%
cap: none
~82%
Everything else
reward points · base rate · not on UPI · excl. cash advance, education, emi, fastag, fuel, govt payments, insurance, rent, utility, wallet load
1%
cap: none
~82%
Everything else
reward points · base rate · not on UPI · excl. fuel, emi, cash advance, rent, govt payments, education, wallet load, utility, insurance, fastag, railway
0.5%
cap: none
~82%

Best uses

0 merchants, 6 categories

Where this card has a reward rule beyond the base rate. Tap a pill to see how it ranks against every other card we track at that merchant or category.

Who it's for

Minimum income
₹25,000/month
Minimum credit score
700+
Best for
Online shopping

Reward rules shown are approximate while our team finishes verifying them against issuer MITC documents. We use conservative values, you should still see more rewards than we promise. Always confirm the latest rules in your bank app before relying on a recommendation.

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