IDFC FIRST Select Credit Card on PhonePe
Yes, but only its standard rate: the IDFC FIRST Select Credit Card gives 0.12% back on PhonePe, the same as most other spends.
On PhonePe
0.12%
Other spends
0.38%
Rank for PhonePe
#126 of 149
Annual fee
Free
What to know before you pay on PhonePe
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
Cards that earn more on PhonePe
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹1,500 a month
10%
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#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
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#3
PhonePe HDFC Bank Ultimo Credit Card
HDFC Bank · ₹2,999 + Taxes · Max ₹1,000 a month
10%
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Where else the IDFC FIRST Select Credit Card earns more
Questions
Does the IDFC FIRST Select Credit Card give rewards on PhonePe?
Yes, but only its standard rate: the IDFC FIRST Select Credit Card gives 0.12% back on PhonePe, the same as most 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 PhonePe?
PhonePe SBI Card SELECT BLACK gives the most on PhonePe, 10% back. The IDFC FIRST Select Credit Card ranks #126 of 149 cards we compared.