IDFC FIRST Select cashback rate, cap and annual fee
IDFC FIRST Select pays 1.25% on dining, and 4 other rates.
IDFC FIRST Bank · India · catalogue v101
Read from IDFC FIRST Bank's own published terms on 20 Sep 2026.
NoneAnnual fee
1.25%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 1.25% | —Dining, at ten times the base rate. |
| travel | 1.25% | —Travel, at ten times the base rate. Railway spending and FASTag recharges are the exception at one times, and are described in the card note rather th |
| International purchaseseverything else | 1.25% | —Bought in another currency, anything eligible earns ten times the base rate — and IDFC charges no markup on top of it. |
| everything else | 0.38% | —Three times the base rate on everything else eligible, which is 0.375% once the point is priced at IDFC's own ₹0.25. |
| government | 0.12% | —Utility bill payments earn the base rate, not the accelerated one. |
| fuel | None | —Fuel earns no Reward Points. |
The same rate card as FIRST Wealth at a lower income bar — ₹12 lakh a year rather than ₹36 lakh — and lifetime free in the same way. 1.25% on dining, travel and international purchases, 0.375% on most other spending, 0.125% on utilities, insurance, railway and FASTag. Fuel, EMI conversions and cash withdrawals earn nothing. Zero foreign markup. IDFC also names the exclusion from the 3X band precisely, which is unusual and useful: insurance, utilities, railways, FASTag recharges, dining, travel, international purchases, fuel, EMI and cash withdrawals — everything else is 3X. Points expire 24 months after crediting; redeeming costs ₹99 plus GST; and nothing is earned on spending past your credit limit in a cycle. Source: idfcfirst.bank.in, checked 20 Sep 2026.
Questions people ask
What cashback does the IDFC FIRST Select pay?
1.25% on dining, and 4 other rates.
Is there a cap on the IDFC FIRST Select?
No monthly cap is published on the rates shown here.
What is the annual fee on the IDFC FIRST Select?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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