Every IDFC FIRST Bank credit card we hold a dated fee schedule for, ranked on what it actually returns rather than on what the issuer advertises.
IDFC First Bank cards we review
| Card | Annual fee | Effective return |
|---|---|---|
| IDFC FIRST Select Credit Card | Nil | 1.8% |
Updated 15 Aug 2026 · Issuer fee schedules and product pages
How to read these numbers
We rank cards by a published formula, never by preference or by what pays us. The reward rate shown is a realistic blended return, not the boosted headline rate that only applies to a few categories. The formula itself is set out on our methodology page.
Check the annual fee first, against the spending needed to waive it. A card is only free if you were going to spend that much anyway. Otherwise the waiver target costs you more to reach than the fee itself. Put your own spend against a fee in the credit card reward value calculator and it returns the net figure after the fee and the 18% GST charged on top of it.
A 1.8% blended return on a card with no annual fee is a reasonable baseline rather than a headline. Where it sits against the rest of the market is covered in best cashback credit cards.
What moves the rate on an IDFC FIRST Bank product
Private sector bank. Floating retail loans are priced off an external benchmark, so RBI rate cuts pass through within a reset cycle.
Other IDFC First Bank products
The bank’s personal loan starts at 10.99%. Everything else we hold on the bank is collected on the IDFC First Bank page.
Sources
- Issuer fee schedules and product pages — as of 15 Aug 2026
Related reading
IDFC FIRST Bank Personal Loan
What IDFC First Bank charges for a personal loan, what it costs in rupees, and how it compares with every other provider we track.
17 Sep 2026 · 2 min