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IDFC FIRST Bank
IDFC FIRST Select Credit Card
Travel
Lifetime Free
Rewards
1st Year Fee: ₹ 0
Rewards
Up to 10 reward points per Rs. 200 spent
Travel
Up to 20% bonus rewards on travel
Movies
Buy 1 Get 1 movie ticket offer
Save with BOGO Offer on Movie Tickets
Get Your IDFC FIRST Select Credit Card Today!
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About IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card is best suited for those who are looking for a lifetime-free credit card offering multiple benefits across categories. This credit card offers high rewards on travel, dining and international spends. These rewards are not capped, which allows high spenders to maximise their value-back easily. This inclination for high spenders is further reflected through its eligibility criteria where the applicant must have an income of at least Rs. 12 lakh per annum to be eligibility for this IDFC FIRST credit card. Frequent travellers are further facilitated with a low forex mark-up, complimentary airport and railway lounge access, along with trip cancellation cover. All these benefits, along with welcome bonus and movie discount, are offered at zero annual fee, making this card a great option for those who regularly travel, dine out or like to watch movies.
Rewards Program:
Reward Earning:
- 20% bonus reward points on hotel bookings made on ‘FIRST Rewards Gallery’ section on IDFC FIRST Bank Mobile App
- 10% bonus reward points on flight bookings made on ‘FIRST Rewards Gallery’ section on IDFC FIRST Bank Mobile App
- 10 reward points per Rs. 200 spent on dining, travel, international and birthday purchases
- 3 reward points per Rs. 200 spent on other categories1
- 1 reward point per Rs. 200 spent on utility bill, insurance premium, railway and FASTag recharge payments
UPI Benefits through Digital RuPay Card (Rs. 199 Joining & Annual Fee):
- 3 reward points per Rs. 150 on UPI spends above Rs. 2,000
- 1 reward point per Rs. 150 on UPI spends below Rs. 2,000
- 100% cashback (up to Rs. 200) on the first four UPI transactions (up to Rs. 50 per transaction) done within 15 days of card generation
Travel and Other Lifestyle Benefits:
Welcome Benefit:
- Rs. 500 gift voucher from Amazon, Bigbasket, Uber or Lifestyle on spending Rs. 5,000 within 30 days of card generation
- 5% cashback, up to Rs. 1,000, on the 1st EMI transaction within 30 days card generation
- 1 complimentary domestic lounge access per quarter on spending Rs. 20,000 in the previous month
- 4 complimentary railway lounge access per quarter on spending Rs. 20,000 in the previous month
Other Travel Benefits:
- Low foreign exchange mark-up fee of 1.99%
- Trip cancellation cover of up to Rs. 10,000
- Zero convenience fees on flight bookings made via IDFC FIRST Mobile Banking app powered by Tripstacc
Other Benefits:
- Buy 1 and get up to Rs. 125 off on the 2nd movie ticket on District twice a month on spending min. Rs. 20,000 in the previous month
IDFC FIRST Select Credit Card - Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining / Annual Fee | Nil |
| Interest Rate / Finance Charges | 0.75% to 3.65% per month, or 9% to 43.8% p.a |
| Late Payment Fee | 15% of the unpaid dues, subject to min. of Rs. 100 & max. of Rs. 1,300 |
Things to Know Before you apply
Get this card if:
You want a lifetime free credit card
You frequently spend on travel, dining and movie categories
You can maximise your savings by using IDFC FIRST Bank app for your travel bookings
Other All-round Credit Cards:
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What do we like about this card?
Covering benefits across multiple categories, IDFC FIRST Select Credit Card can be a suitable choice for those seeking all-round benefits at a zero-annual fee. The card offers exceptionally good features for a lifetime free credit card, like a low forex markup fee, unlimited rewards, and inclusion of utilities and insurance payments in the rewards program. It stands out with perks like up to 20% bonus rewards on select travel spends, trip cancellation cover, movie discount, and many more. Even the spend-based benefits only require Rs. 20,000 monthly spends - a condition that can be easily met by any average spender.
Pros
- Lifetime-free credit card with up to Rs. 1,500 worth of joining benefits
- Uncapped reward points with higher savings on travel and dining spends
- Low forex markup fee of 1.99%
- Rewards on utility bill and insurance payments
Cons
- Low reward redemption value at 1 RP = Rs. 0.25
- Spend-based condition on lounge access and movie discount
Frequently Asked Questions
Everything you need to know about this credit card
IDFC FIRST Select credit card is a good choice for beginners seeking a lifetime free credit card with reward benefits. High spenders and frequent travellers can also maximise their value-back through uncapped rewards, along with higher savings and discounts on travel, dining and movie spends.
Among IDFC FIRST Select and IDFC Wealth, the latter is a premium variant based on the features and benefits. While both cards are lifetime free, Wealth comes with a higher income eligibility requirement of Rs. 36 Lakh per annum, in comparison to Rs. 12 Lakh per annum on Select. Wealth also offers a lower forex markup fee, a better reward rate, and other lifestyle benefits.
The forex mark-up fee charged to the IDFC FIRST Select credit card users is 1.99%.
Yes, IDFC FIRST Select credit card offers buy 1 and get up to Rs. 125 off offer on the 2nd movie ticket on District twice a month on spending min. Rs. 20,000 in the previous month.
If interested, you can apply for an IDFC FIRST Select credit card by visiting the bank’s official website or contacting the customer care.
Individuals who earn an annual income of more than Rs. 12 Lakh can apply for this card.
Yes, IDFC FIRST Select credit card offers both railway and airport lounge access. Cardholders can access 4 complimentary railway lounge visits per quarter and 1 domestic airport lounge visit per quarter. But these lounge visits are subject to monthly spends of Rs. 20,000.
The reward points earned using your IDFC FIRST Select Credit Card expire after 24 months.
Footnotes
- No Reward Points are credited for fuel spends, EMI transactions, or cash withdrawals.
- If the minimum amount due is not paid by the payment due date, reward points will not be applicable for that billing cycle.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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