IDFC FIRST Bank Select Credit Card
Updated on August 20, 2026
🎖️Reward Rate
Fees
Overview
Get the FIRST Select Credit Card by IDFC FIRST Bank. Enjoy lifetime free benefits, airport lounge access, low forex charges, golf perks, and exclusive offers.
Rewards
Reward Type
Cashback
Reward Rate
- • Fees
- • The FIRST Select Credit Card is designed for individuals who appreciate balance—premium privileges without any fees. This lifetime-free card comes with up to 10X reward points, easy EMI options and exciting merchant offers. En... Read More
Welcome Benefit
•Click on the welcome benefit banner to pick a voucher of your choice
Milestone Benefit
Enhance your travel experience with 1 complimentary visit to domestic airport lounge every quarter • Click here for available lounges Disclaimer: Spend ₹20,000 in the current calendar month to avail the benefit in the next month.; Enhance your travel experience with 4 complimentary visits to lounges at Indian railway terminals every quarter Disclaimer: Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. T&C; Yes, 1 complimentary visit per quarter at domestic airports with the IDFC FIRST Select Credit Card. To qualify, you need to spend ₹20,000 or more in the current calendar month. Once eligible, your access gets activated in the next month, offering a relaxing travel experience.; IDFC FIRST Bank will inform customers via email in the first week of every month; Apart from complimentary lounge access, the IDFC FIRST Select Credit Card offers several travel-related benefits. Cardholders can enjoy a low 1.99% forex markup on international transactions, making it ideal for overseas travel. Additionally, you get CFAR (Cancellation for Any Reason) trip cancellation benefit of up to ₹10,000 for hotel & flight bookings, covering your last-minute change in plans. You can access exclusive travel deals and discounts on platforms like EaseMyTrip, Goibibo, and Ixigo. Complimentary travel insurance coverage further enhances the card’s value for frequent travellers, offering convenience during international trips.; The IDFC FIRST Select Credit Card offers complimentary lounge access at domestic airports in India only. Currently, it does not provide free access to international airport lounges. However, it is a valuable travel credit card with a low forex markup and comprehensive travel-related benefits.; The IDFC FIRST Select Credit Card offers 1 complimentary domestic airport lounge access per quarter (four annually) on a minimum spend of ₹20,000 in the previous calendar month. Additional visits beyond the complimentary quota will incur charges, which are billed to your card. To access the lounge, present your card and a valid boarding pass for travel on the same or next day.
Redemption
Redeem for flight/hotel bookings, brand vouchers, and statement cash credit
Benefits
- Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation. Additionally enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days of card generation. Read our blog on Benefits of FIRST Select Credit Card to learn more about this card.
- Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.
- For availing the CFAR benefit, both bookings and cancellations must be made within the policy period.
- CFAR is a complimentary benefit offered to select IDFC FIRST Credit Card holders at no additional cost.
Things to Know Before you apply
IDFC FIRST Bank Select Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: > ₹35,000/month; Self-Employed: ITR > ₹6,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
IDFC FIRST Bank Select Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 1.99% |
| Cash Advance Fee | 2.5% (Min ₹500) |
Fee waiver: N/A
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Apply for Lifetime Free Credit Card with Lounge Access Online issued by IDFC FIRST Bank is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • Fees
- • The FIRST Select Credit Card is designed for individuals who appreciate balance—premium privileges without any fees. This lifetime-free card comes with up to 10X reward points, easy EMI options and exciting merchant offers. En... Read More
- • Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*. *30 days from the day you receive SMS/email confirmation of card generation. Eligibility: •This offer is applicable only on first EMI conversion within first 30 days of card generation. Fulfilment: •Eligible customers will receive cashback within 90 days of the offer end date Exclusion: •Transactions done on gold and jewellery are not eligible for EMI conversion •If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer •If any of the transactions are reversed/cancelled/foreclosed by the cardholder or merchant, that EMI transaction will be excluded. Similarly for any disputed transaction by the cardholder, that EMI transaction will be excluded Know More
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified