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IDFC FIRST Select credit card

IDFC First Bank

IDFC FIRST Select Credit Card

Best for lifetime-free, rewards, lounge-access

Lifetime free · 3x rewards

Visa Lifetime free

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

Lifetime free

Reward rate

3x

Min. income

₹6,00,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

₹6 lakh/yr · CIBIL 700+

Reward cap

No explicit monthly cap on accelerated category

Welcome benefit

None explicit on the marketing page; quarterly benefits occasionally published

Who is this for

  • Fee-averse spender
  • Rewards optimiser

What we like

  • Lifetime free card
  • 4 domestic lounge visits/year (1/quarter)

Issuer

Bank

IDFC First Bank

Private sector bank

All IDFC First Bank cards →

Headquarters

Mumbai, Maharashtra

Established 2015

Website

www.idfcfirstbank.com

Network

Visa

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹0 Not waivable
Fuel surcharge 1% 1% surcharge waived on fuel between ₹200 and ₹5,000
Late payment ₹500 Not waivable
Forex markup Not published Not waivable

Rewards

Spend category Rate Cap Redemption
SHOPPING 3.00 — 0.25
DINING 3.00 — 0.25
All spends 3X reward points on top categories (shopping, dining, travel); 1X on others No explicit monthly cap on accelerated category 1 Reward Point = ₹0.25
TRAVEL 3.00 — 0.25

Benefits

  • Domestic lounge access

    4 domestic lounge visits per year (1/quarter)

  • International lounge access Highlight

    None

  • Milestone benefits Highlight

    None explicit on the marketing page; quarterly benefits occasionally published

  • Fuel surcharge waiver

    1% waiver on fuel transactions between ₹200 and ₹5,000

Eligibility

Age
21–65 years
Min. income
₹6,00,000
Min. credit score
700+
Score note
Good credit score
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, latest salary slips / ITR, bank statement

IDFC FIRST Select Credit Card is a VISA credit card from IDFC FIRST Bank. It is best suited for lifetime-free, rewards, lounge-access.

Fees and rewards

  • Annual fee: Nil
  • Joining fee: Nil
  • Rewards: 3X on top categories; 1X others

Eligibility

PAN, Aadhaar, latest salary slips / ITR, bank statement

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

Step-by-step application guide: Read the IDFC FIRST Select Credit Card apply walkthrough →

Apply for IDFC FIRST Select Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the IDFC FIRST Select Credit Card worth it?
IDFC FIRST Select Credit Card is a credit card issued by IDFC First Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the IDFC FIRST Select Credit Card?
IDFC FIRST Select Credit Card is a lifetime-free card with no annual or joining fee.

How does the IDFC FIRST Select Credit Card reward rate work?
IDFC FIRST Select Credit Card earns 3x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.
Show 3 more questions

What are the eligibility requirements for the IDFC FIRST Select Credit Card?
To qualify for IDFC FIRST Select Credit Card, you typically need: minimum annual income ₹6,00,000; CIBIL score of 700+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the IDFC FIRST Select Credit Card offer airport lounge access?
4 domestic lounge visits per year (1/quarter); None

What is the forex markup on the IDFC FIRST Select Credit Card?
Forex markup details for IDFC FIRST Select Credit Card are not published on FinWiz24.

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