IDFC FIRST Select Credit Card on Dining out

Yes. The IDFC FIRST Select Credit Card gives 1.25% back when you pay on Dining out directly, compared with 0.38% on its other spends.

On Dining out

1.25%

Other spends

0.38%

Rank for Dining out

#37 of 149

Annual fee

Free

What to know before you pay on Dining out

How it works

Same as Millennia.

Caps & rules

1 point per ₹200 = 1X, 1 point = ₹0.25.
10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
Same reward structure as Millennia.

Reward limits

10X points on dining, travel, international and birthday spends; 3X elsewhere: Points only on spends up to your credit limit per billing cycle
1X points on utilities, insurance, railways and FASTag: No limit

No rewards on

Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.

Checked 2026-10-03 · Bank terms

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Cards that earn more on Dining out

#1
Swiggy HDFC Credit Card
HDFC Bank · ₹500 + Taxes · Max ₹1,500 per statement cycle

10%
Apply now
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month

10%
Apply now
#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes · Max ₹2,000 a month

6.67%
Apply now

Where else the IDFC FIRST Select Credit Card earns more

Air India 1.25% Akasa Air 1.25% Cleartrip 1.25% Goibibo 1.25% IndiGo 1.25% MakeMyTrip 1.25% Swiggy 1.25% Zomato 1.25%

Questions

Does the IDFC FIRST Select Credit Card give rewards on Dining out?

Yes. The IDFC FIRST Select Credit Card gives 1.25% back when you pay on Dining out directly, compared with 0.38% on its other spends.

Is there a limit on IDFC FIRST Select Credit Card rewards?

1 point per ₹200 = 1X, 1 point = ₹0.25. 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%). Same reward structure as Millennia.

Which credit card is best for Dining out?

Swiggy HDFC Credit Card is the best pick for regular spending on Dining out, with 10% back. The IDFC FIRST Select Credit Card ranks #37 of 149 cards we compared, by what each returns after caps.