IDFC FIRST Select
MidLifetime freeIDFC FIRST Bank
Where it ranks · across all 71 cards
#31 Dining out1.3%direct#35 Food delivery1.3%direct#27 Flights1.3%direct
Devaluation history
- 2026-01-18 - Reward base revised ₹150 to ₹200 per point (~25% earn cut); app travel bonus added.
Reward rules
Points valued at ₹0.25/pt - conservative, what rankings use
Base rate - everything not covered below
3 pts / ₹200= 1.5 pts per ₹100
0.38%
conservative value
10 pts/₹200 on dining, travel & international - from the FIRST rupee (18 Jun 2026)
10 pts / ₹200= 5 pts per ₹100
1.25%
conservative value
Source: IDFC Select page + May 2026 communication (18 Jun 2026 structure) · 2026-08-22
1 pt / ₹200 on utilities, insurance, railways & FASTag
1 pt / ₹200= 0.5 pts per ₹100
0.13%
conservative value
Source: IDFC FIRST Select card page + CVP (bank site) · 2026-08-22
Via portals & vouchers - alternate methods (display, never rank)
- ✈ Travel & Shop app: hotels ~43/₹200 total, flights ~23/₹200 (bonus capped)5.4%
Earns nothing on
- ⊘ Fuel earns nothing; codes from the bank MITC category table.5172554155425983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
- ⊘ EMI-converted transactions and cash withdrawals excluded. Rent EARNS (3X tier) but does not count toward the 10X threshold.