About IDFC FIRST Select Credit Card
The IDFC FIRST Select Credit Card is a good option for those looking for a lifetime-free credit card with multiple benefits. It offers rewards on both online and offline spends, especially when your monthly spending goes above ₹20,000. While regular users may find it slightly difficult to get maximum value, high spenders can benefit more from the reward structure. The card has a low reward value of ₹0.25 per point, but it balances this with unlimited reward points that come without expiry or capping. If you are considering an IDFC credit card, this can be a decent entry into the semi-premium segment.
One drawback is that even though the card has a low forex mark-up, it does not offer strong international travel benefits. However, it still provides useful features like domestic airport and railway lounge access, along with travel insurance, making it suitable for people who travel within India. These benefits add value for users who want basic travel comfort without paying high annual fees.
With an income requirement of around ₹12 lakh per year, this credit card competes with other semi-premium cards. After recent changes in its rewards program, the overall value has reduced, especially due to limited redemption options. However, it still covers everyday spends like utility bills and wallet loads, which many cards do not reward. To get the most out of this card, you need to spend more than ₹20,000 per month, as higher spending unlocks better rewards and lounge access benefits.
If you want a no-fee credit card and spend heavily each month, this card can still offer value—but casual or light spenders may find the benefits underwhelming.
IDFC FIRST Select Credit Card Rewards Program
Rewards Program:
- 10X rewards on purchases exceeding ₹20,000 per billing cycle
- 10X rewards on birthday spends
- 3X rewards on all online purchases up to ₹20,000/month
- 1X rewards on utility bill payments (1% charge on spends above ₹20,000/month)
- 3X rewards on education, wallet loads & government services (excluded from 10X rewards calculation)
- 1X = 1 reward point per ₹150 spent, with 1 RP = ₹0.25
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Airport Lounge Access
- Complimentary domestic airport lounge access with 2 visits per quarter, available when you spend ₹20,000 in the previous month
Also Check: Best Lounge Access Credit Cards
Railway Lounge Access
- Complimentary railway lounge access with 4 visits per quarter, applicable on monthly spending of ₹20,000
Forex Benefit
- Low foreign exchange mark-up fee of 1.99% on all international transactions
Movie Benefit
- Buy 1 Get 1 free movie ticket (up to ₹125), available twice every month
Also Check: Best Entertainment Credit Cards
Travel Insurance
- Comprehensive travel insurance cover of ₹22,500, including ₹7,500 for loss of checked-in baggage, ₹5,000 for baggage delay, ₹5,000 for loss of passport or documents, and ₹5,000 for flight delay
Insurance Cover
- Personal accident cover of ₹5 lakh along with complimentary lost card liability cover of ₹50,000
Fuel Benefit
- 1% fuel surcharge waiver up to ₹300 per month on fuel spends between ₹200 and ₹5,000
ATM Cash Withdrawal
- Interest-free cash withdrawal from ATMs for up to 48 days
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Type of Fee | Amount |
|---|
| Joining fee | NIL |
| Over limit fee | NIL |
| Reward redemption fee | NIL |
| Foreign exchange markup | 1.99% |
| Late payment fee | 15% of Total Amount Due (subject to a minimum Rs.100 and a maximum of Rs.1,000) |
| International and domestic cash advance fee | Rs.250 |
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Document Required For IDFC FIRST Select Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Select Credit Card Highlights
What do we like about this card?
- Lifetime-free credit card with joining benefits worth up to ₹1,500
- Earn 10x reward points on spends above ₹20,000 per billing cycle
- Earn 10x reward points on birthday spends
- Earn 3x reward points on online spends up to ₹20,000 per month
- Earn 1x reward points on utility spends (1% charge applies above ₹20,000/month)
- Earn 3x reward points on education, wallet load & government spends (not eligible for 10x calculation)
- Get 50 bonus points on hotel bookings and 20 bonus points on flight bookings via app
- Get 2 complimentary domestic lounge visits per quarter on ₹20,000 monthly spend
- Get 4 complimentary railway lounge visits per quarter on ₹20,000 monthly spend
- Buy 1 Get 1 free movie tickets up to ₹125 (twice per month)
Things to Know Before you apply
Get this card if:
- You want a lifetime-free credit card
- Your monthly credit card spends exceed ₹20,000
- You already own another credit card with international travel benefits
Pros
- Lifetime-free credit card with joining benefits worth up to ₹1,500
- Accelerated reward points with no category restrictions
- Low forex markup fee of 1.99%
- Complimentary airport and railway lounge access
- 10X rewards on birthday spends
- Earn rewards on utility bill payments and wallet reloads
Cons
- Low reward redemption value (1 RP = ₹0.25)
- No international lounge access benefits
- Low reward rate for monthly spends below ₹20,000
- Limited options for reward redemption
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
It’s a good lifetime free option for beginners who want rewards and benefits. The card is especially useful for high spenders (above ₹20,000 per month) because of its incremental reward structure.
You need a minimum annual income of ₹12 lakh to apply.
10X rewards on spends above ₹20,000 in a month and on birthday spends
3X rewards on monthly spends up to ₹20,000
1X rewards (1 point per ₹125) on insurance and utility bill payments
Reward points never expire.
Yes. You get:
4 complimentary railway lounge visits every quarter
2 complimentary domestic airport lounge visits per quarter (on monthly spends of ₹20,000)
Yes. Buy 1 Get 1 free on BookMyShow, up to ₹125, twice per month.
The foreign currency markup fee is 1.99%.
Select: Requires ₹12 lakh annual income, standard benefits
Wealth: Premium variant, requires ₹36 lakh annual income
Wealth offers a lower forex fee, better rewards, and extra lifestyle perks
Both cards are lifetime free.
You can apply online through the official IDFC FIRST Bank website or by contacting customer care.
