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IDFC FIRST Select Credit Card
Lifetime free card offering 3X on all online spends, 10X on select partner brands, and complimentary railway lounge access. Best free card from IDFC with strong online rewards.
Secure application on IDFC First Bank's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for IDFC FIRST Select Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹9,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
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Key Features
- Excellent reward rate — 3X base is among the best
- Zero forex markup — ideal for international use
- 4 complimentary domestic lounge visits per quarter
- Points never expire with active card
- Annual fee waived on ₹2L spend
Rating Overview
How we rate credit cards· See rating rubricEligibility Criteria
Age
21+ Years
Income
₹0.3L / year
Documents
Rewards Program
IDFC FIRST Select Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
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Benefits Breakdown
Core Benefits
- •Excellent reward rate — 3X base is among the best
- •Zero forex markup — ideal for international use
- •4 complimentary domestic lounge visits per quarter
- •Points never expire with active card
- •Annual fee waived on ₹2L spend
Shopping
- •Cashback on Spends
- •Discount Vouchers
Pros
- Excellent reward rate — 3X base is among the best
- Zero forex markup — ideal for international use
- 4 complimentary domestic lounge visits per quarter
- Points never expire with active card
- Annual fee waived on ₹2L spend
Cons
- Annual fee of ₹999 (waivable on ₹2L spend)
- Lounge visits limited to domestic only
- Smaller bank branch network than big 4
- International lounge access not included
Required Documents
Keep these documents ready before applying for IDFC FIRST Select Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | Nil |
Annual Fee From second year onwards | Nil |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the IDFC FIRST Select Credit Card today and start earning rewards on every spend.
● Secure application on IDFC First Bank's official site