IDFC FIRST Select Credit Card

The IDFC FIRST Select Credit Card is a lifetime free credit card that comes with zero joining and annual charges, while still offering decent rewards on dining, travel, and international spending. Despite being free, the card offers a ₹500 welcome voucher on spending ₹5,000 within the first 30 days of card issuance. Cardholders can also get 5% cashback of up to ₹1,000 on their first EMI transaction made within 30 days of card generation.

One of the most underrated features of this card is its low forex markup fee of just 1.99%, making it a good option for international transactions. This becomes even more rewarding with the 10X reward points offered on travel and international spends. Along with this, the card also offers complimentary airport and railway lounge access, adding more value for frequent travelers.

Movie lovers can enjoy 1+1 offers on movie ticket bookings through the District app by spending ₹20,000 or more in the previous month. Apart from these benefits, the card also comes with dining discounts, insurance covers, roadside assistance, fuel surcharge waiver, and several other lifestyle perks. Read further to know all about the IDFC FIRST Select Credit Card.

Product Details

• Gift vouchers worth ₹500 and 5% cashback on EMI transactions as a welcome benefit.
• 10x Rewards for spending on travel, dining, and foreign transactions.
• Low foreign currency markup (1.5%)
• Complimentary railways and airport lounge access every quarter.
• Air accident cover worth ₹1 crore and Personal Accident Cover worth ₹5,00,000
• Lost card liability covers worth ₹50,000
• 1% fuel surcharge waived on all fuel purchases

First Select Credit Card Features and Benefits

The IDFC First Select Credit Card is one of the bank’s well-known offerings. It comes with great privileges across different categories, including rewards, dining, entertainment, travel, and many more. Some of its most significant benefits and features are as follows:

Welcome Benefits

• You get a gift voucher worth ₹500 as an introductory benefit on spending ₹5,000 or above within 30 days of card issuance.
• Also, you get a 5% cashback on EMI transactions up to ₹1,000 within 30 days of card issuance using this credit card.

Travel Benefits

• You receive up to one complimentary lounge visit per quarter at select domestic airports across India. To be eligible for airport lounge access, you would need to spend ₹20,000 per month.
• You get 4 complimentary railway lounge accesses every quarter based on spending of ₹20,000 or more in the previous month.
• Complimentary roadside assistance worth ₹1,399.

Movie Benefits

You get a Buy 1 Get 1 offer on movie ticket booking up to ₹125 on the District mobile app using your IDFC First Select credit card twice every month. Starting 18th June 2026, cardholders will need to spend ₹20,000 or more in the previous calendar month to avail this benefit.

Insurance Benefits

IDFC First Bank Select credit card comes with a host of insurance benefits for the customers.

IDFC First Select Credit Card Rewards

With your IDFC First Select credit card, you can get accelerated reward points on select categories. However, no reward points are accrued on fuel transactions, EMI transactions, or cash withdrawals.

• Earn 10 Reward Points on every ₹200 spent on dining, travel, and international transactions.
• Earn 1X Reward Points on every ₹200 spent on insurance, utilities, railways, and FASTag recharges.
• Earn 3 Reward Points on every ₹200 spent on all other eligible transactions.
• Cardholders can earn accelerated rewards on travel bookings made through the IDFC FIRST Bank mobile app. The card offers 20% bonus Reward Points on hotel bookings and 10% bonus Reward Points on flight bookings, over and above the regular reward points earned on these transactions.

Reward Points will be valid for 24 months.

Reward Redemption

• You can redeem the reward points accumulated across a variety of redemption options at the Poshvine reward portal or exclusive merchant stores.
• 1 Reward point accumulated is equivalent to ₹0.25 for redemption.
• The reward points accumulated on this credit card do not expire and can be carried forward from the previous year.
• You have to pay a small reward redemption fee of ₹99 plus taxes.

IDFC FIRST Select Credit Card Eligibility Criteria

The eligibility requirements that need to be fulfilled in order to get approved for the IDFC First Select Credit Card are as follows:

• The minimum eligible age required for this credit card is 21 years.
• The applicant should be either salaried or self-employed, with an annual income of Rs. 12 lakh or more.
• The applicant should have a decent credit score.

IDFC First Select Credit Card Review

The IDFC FIRST Select Credit Card offers several benefits, including zero forex markup, airport lounge access, railway lounge access, and more. Cardholders can earn 10X reward points on dining, travel, and international spends. Even categories that usually do not offer rewards, such as utilities and insurance, are eligible for 1X reward points.

All these benefits come with zero joining and annual fees, making this card a good option for those looking for a basic lifetime free credit card with decent features. Since the card is available on the Visa network, cardholders can also enjoy additional Visa-related benefits.

What do you think about this IDFC First Select credit card? Do let us know in the comments below.