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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

IDFC FIRST Select

IDFC FIRST Select Credit Card is a premium lifetime-free credit card designed for users who want travel, lifestyle, and reward benefits without paying annual fees. It offers lounge access, low forex markup, reward points, and insurance benefits, making it ideal for mid-to-high spenders.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI
Age: 18 to 60 years
Salaried or self-employed individual
Minimum annual income: ₹10–12 lakh (preferred range)
Good CIBIL score (750+ preferred)

Features & Benefits

Lifetime free credit card (No joining & annual fee)
Earn 10X reward points on spends above ₹20,000/month & birthday spends
Earn 3X reward points on spends up to ₹20,000/month
Reward points never expire
Welcome benefit: ₹500 voucher on ₹5,000 spend in 30 days
Domestic airport lounge access (with spend condition)
Railway lounge access (quarterly)
Low forex markup: 1.99%
Buy 1 Get 1 movie ticket offer (twice/month, capped discount)
Travel benefits: Trip cancellation cover up to ₹10,000
Insurance cover (air accident, purchase protection, etc.)
Interest-free cash withdrawal up to 45 days

Fees & Charges

Joining Fee: Lifetime free credit card
Joining Fee: Nil
Annual Fee: Nil (Lifetime Free)
Interest Rate (APR): 8.5% – 46.2% p.a.
Cash Withdrawal Fee: ₹199 + GST per transaction
Forex Markup: 1.99%
Late Payment Charges: As per bank policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / DL / Voter ID etc.)
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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Yes, it has zero joining and annual fee for lifetime.

You earn 3X on regular spends and up to 10X on higher monthly spends.

Yes, domestic airport lounge access is available (subject to spend conditions).

It is low at 1.99%, making it good for international usage.

Users with moderate to high spending who want premium benefits without annual fee.

Terms & Conditions

Reward points are subject to eligible categories and exclusions
Lounge access requires minimum spend (₹20,000/month)
Approval is subject to IDFC FIRST Bank credit policy
Fees and benefits may change as per bank guidelines
Late payments may attract penalties and impact credit score

Apply for IDFC FIRST Select

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Card At A Glance
Joining Fee Lifetime free credit card
Annual Fee Free
Rewards Lifetime free credit card (No joining & annual fee)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type IDFC BANK