IDFC FIRST Bank · Mid · lifetime free
IDFC FIRST Select
Where it ranks across all 187 cards
#50 Flights
1.3%
direct
#50 Hotels
1.3%
direct
portal reaches 5.4%
#54 Dining out
1.3%
direct
#57 Food delivery
1.3%
direct
#53 Wallet load
0.4%
direct
#76 Education
0.4%
direct
#108 Jewellery & watches
0.4%
direct
#112 Gaming
0.4%
direct
#120 Mobile / broadband
0.4%
direct
#145 Health & pharmacy
0.4%
direct
#146 Other
0.4%
direct
#147 Electronics
0.4%
direct
#149 Groceries
0.4%
direct
#151 Movies & events
0.4%
direct
#153 Online shopping
0.4%
direct
#153 Fashion
0.4%
direct
#96 Insurance
0.1%
direct
#111 Utility bills
0.1%
direct
#163 Train tickets
0.1%
direct
#169 Cabs & transit
0.1%
direct
18 Jan 2026
Reward base revised ₹150 to ₹200 per point (~25% earn cut); app travel bonus added.
Get an email if this card changes - sign in.
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.38%base rate
3 pts / ₹200
source
Source: IDFC Select update (bank PDF, verified Aug 2026) - idfcfirst.bank.in - read 20 Aug 2026
10 pts/₹200 on dining, travel & international - from the FIRST rupee (18 Jun 2026)
1.25%this rule
10 pts / ₹200
source
Source: IDFC Select page + May 2026 communication (18 Jun 2026 structure) - idfcfirst.bank.in - read 22 Aug 2026
1 pt / ₹200 on utilities, insurance, railways & FASTag
0.13%this rule
1 pt / ₹200
source
Source: IDFC FIRST Select card page + CVP (bank site) - idfcfirst.bank.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
Travel & Shop app: hotels ~43/₹200 total, flights ~23/₹200 (bonus capped)
via idfc app · 8,000 bonus pts/calendar month (hotels + flights combined)
source
Source: IDFC Select page + May 2026 communication (18 Jun 2026 structure) - idfcfirst.bank.in - read 22 Aug 2026
5.4%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Fuel
earns nothing
Fuel earns nothing; codes from the bank MITC category table.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: IDFC FIRST MITC (bank PDF) - idfcfirst.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI-converted transactions and cash withdrawals excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
Rent EARNS (3X tier) but does not count toward the 10X threshold.
categories: EMI
Source: IDFC FIRST Select card page + CVP (bank site) - idfcfirst.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.