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IDFC FIRST Bank SELECT Credit Card – Benefits, Fees and Eligibility

Enjoy year-round offers from top brands, up to 10X reward points with no expiration date, and complimentary lounge access with this lifetime-free credit card.

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Last updated on: April 02, 2026

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The IDFC FIRST Bank SELECT Credit Card is a lifetime‑free card that offers up to 10X reward points on monthly spends above ₹20,000 and on birthdays. The credit card also comes with a low forex markup, making it suitable for users who spend online or travel abroad.

Key Highlights of the IDFC FIRST Bank SELECT Credit Card

Check the standout features of this lifetime-free credit card designed for smart savers:

Feature	Details
Joining Fee	NIL
Annual Fee	NIL
Best For	Rewards on lifestyle spends
Key Feature	10X Reward Points on spending over ₹20,000 and on purchases made on your birthday
Welcome Bonus	₹500 voucher on spends of ₹5,000 within 30 days of card generation 5% cashback (maximum ₹1,000) on first EMI transaction made within initial 30 days of card issuance

Disclaimer: The above-mentioned details are subject to change at the discretion of the issuer.

IDFC FIRST Bank SELECT Credit Card Benefits and Features

The IDFC FIRST Bank SELECT Credit Card offers a mix of reward points, travel privileges, lifestyle benefits, and everyday conveniences.

Here are some key features and benefits:

Welcome Benefits and Bonus Rewards

10X Reward Points

Earn accelerated reward points on spends above ₹20,000 each month and on your birthday.

Reward Points and Redemption

Reward Accrual Structure

Earn 10X reward points on high‑value monthly spends and birthday spends.

Travel and Entertainment Perks

Travel

Airport Lounge Access

Two complimentary domestic airport lounge visits per quarter on spending ₹20,000 every month.

Railway Lounge Access

Four complimentary railway lounge visits per quarter.

CFAR Insurance

‘Cancellation for Any Reason’ insurance covering up to two claims of up to ₹10,000 for hotel and flight cancellations.

Comprehensive Travel Insurance

Coverage of up to ₹22,500 for travel‑related contingencies.

Airport Meet & Greet

Discounts on Fast Track immigration services at over 450 global destinations.

Airport Transfer

Discounted airport transfer limousine services across 3,000 cities in 83 countries.

Concierge Service

Access to a concierge service for assistance with dining, travel, and activities.

Luxury Hotel Collection

Access to over 900 luxury hotels with benefits such as complimentary Wi‑Fi, room upgrades, and VIP status.

Entertainment

Movie Discounts

‘Buy One, Get One’ on movie tickets of up to ₹125 on the Paytm app, twice a month.

Golf Programme

Four complimentary rounds of golf and 12 golf lessons per calendar year.

Dining and Shopping Offers

Dining Discounts

Up to 20% savings at over 1,500 restaurants across India.

Lifetime‑Free Credit Card

No annual or maintenance charges applicable.

Flexible EMI Options

Transactions above ₹2,500 can be converted into EMIs via the mobile app.

Fuel Surcharge Waiver and Others

Complimentary Roadside Assistance (CRA)

Roadside assistance worth ₹1,399, available four times a year across India.

IDFC FIRST Bank SELECT Credit Card Fees and Charges

Check out the charges you would incur when using the IDFC FIRST Bank SELECT Credit Card:

Fee Type	General Range
Joining Fee	NIL
Annual Maintenance Fee	NIL
Forex Markup Fee	1.99% of the transaction amount
Interest Charges	Up to 3.85% per month or 46.2% per annum
Minimum Amount Due	Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any)
Late Payment Fee	15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1,300)
Cash Advance Fee	₹199

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

IDFC FIRST Bank SELECT Credit Card Eligibility Criteria

Check the IDFC FIRST Bank SELECT Credit Card’s eligibility criteria before applying to understand your likelihood of approval.

To apply for the credit card, you need to meet the following requirements:

Age should be between 21 years for salaried applicants, and 25 years for self‑employed applicants, up to a maximum of 70 years

You must have a stable and regular source of income of at least ₹12 Lakhs per annum
Have a good credit score

Documents Required for IDFC FIRST Bank SELECT Credit Card

Here are some of the basic documents you may need to provide when applying for the credit card:

Category	Documents
Identity Proof	PAN Card Passport
Address Proof	Aadhaar Card Voter ID
Income Proof	Salaried: Latest salary slips (2–3 months), Form 16 Self‑employed: Income Tax Returns (ITR), bank statements showing income

How to Apply for IDFC FIRST Bank SELECT Credit Card Online

You can apply for the IDFC FIRST Bank SELECT Credit Card online on Bajaj Markets. Follow these steps:

Click on the ‘Check Card Offer’ button and enter your details, including date of birth, phone number, and occupation
Enter the OTP sent to your registered mobile number
Review the pre-filled details such as PAN number, residential PIN code, email address, and income details
Select the IDFC FIRST Bank SELECT Credit Card from the available options
Submit and proceed to complete the application

How to Maximise Rewards on IDFC FIRST Bank SELECT Credit Card

Here are the key features of the rewards program of this IDFC FIRST Bank credit card:

A. Reward Points

You can earn 10X Reward Points on spends above ₹20,000 and on your birthday, using your card.

Check out how much you can save with the help of an illustration:

Purchase (Monthly)	Amount	Reward Points
Shopping	₹30,000 (over ₹20,000 already spent)	2000
Birthday Celebration	₹8,000	533

Disclaimer: The above example is for illustration purposes only.

3X Reward Points on applicable online and offline purchases for spending up to ₹20,000 per month.

Here’s an illustration for the same:

Purchase (Monthly)	Amount	Reward Points
Online Shopping	₹15,000	300
Grocery Shopping	₹5,000	100

Disclaimer: The above example is for illustration purposes only.

1X Reward Point on utility and insurance payments. Check out the example below:

Purchase (Monthly)	Amount	Reward Points
Insurance Premium	₹5,000	33
Utility Bills	₹2,000	13

B. Redemption Process

You can easily redeem your points on the rewards portal. You can also access it by logging into your online account or using the mobile app. A rewards redemption fee of ₹99 + GST applies on each redemption.

C. Expiration

Reward points earned on this card come with lifetime validity.

D. Example of Savings

Based on the illustration above, here’s an example of how your annual expenses and savings could look with the IDFC FIRST Bank SELECT Credit Card:

Category	Details	Conversion	Cash Value (₹)
Incremental Spending	Accelerated Category Spends (10X) Assuming spends of ₹30,000 p.m./ ₹3,60,000 p.a.	Reward Points = 24,000 10X (₹3,60,000/150)	6,000
Online & Offline Purchases	Accelerated Category Spends (3X) Assuming spends of ₹20,000 p.m./ ₹2,40,000 p.a.	Reward Points = 4800 3X (₹2,40,000/150)	1,200
Insurance and Utilities	Normal Category Spends (1X) Assuming spends of ₹7,000 p.m./ ₹84,000 p.a.	Reward Points = 560 1X (₹84,000/150)	140
Roadside Assistance Cover	-	-	1,399
Total Annual Savings	-	-	8,739

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

You can make payments with points during both in-store and online purchases. Moreover, you can buy gift vouchers or memberships directly on the rewards portal.

IDFC FIRST Bank SELECT Credit Card EMI Calculator

Your Credit Card EMI

₹ 454

Total Interest Amount

₹ 444

Transaction Amount

₹ 5,000

Total Payable Amount

₹ 5,444

Loan Amount

1000 1000000

Interest Rate

- +

Tenure

- +

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DISCLAIMER

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Pradnya Ranpise

Financial Content Specialist

Reviewer

Roshani Ballal

FAQs on IDFC FIRST Bank SELECT Credit Card

What is the IDFC FIRST Bank SELECT Credit Card?

The IDFC FIRST Bank SELECT Credit Card is a lifetime-free credit card designed to offer various rewards and exclusive benefits.

What are the primary benefits of the SELECT Credit Card?

Some key benefits of the IDFC FIRST Bank SELECT Credit Card include:

Accelerated reward points on eligible transactions
Complimentary airport and railway lounge access
Movie ticket discounts
Dining offers across partner restaurants

What are the eligibility criteria for applying?

To apply for this credit card, you need to be at least 21 years old, have a good credit score, and meet the bank's income criteria.

Is there an annual fee for the SELECT Credit Card?

No, the IDFC FIRST Bank SELECT Credit Card has no annual fee.

How can I redeem my rewards when using the FIRST SELECT Credit Card?

You can redeem your points through the bank’s rewards portal for online purchases, eligible offline stores, buy vouchers to shop from brands or purchase memberships of OTT platforms.

What should I do if I lose my IDFC FIRST credit card?

If your FIRST SELECT Credit Card is lost or stolen, immediately report it to IDFC FIRST Bank's customer care. They will help you block the card to prevent unauthorised transactions.

How can I track my expenses on the SELECT Credit Card?

You can track your expenses through the IDFC FIRST Bank mobile app or the online banking portal. These facilities allow you to easily view your transaction history and manage your account.

What type of card is the IDFC FIRST Bank SELECT Credit Card?

The IDFC FIRST SELECT Credit Card is a lifetime‑free, mid‑range credit card that offers reward points, lounge access, and lifestyle‑related benefits.

Is the IDFC FIRST Bank SELECT Credit Card suitable for my needs?

This card may suit you if you spend regularly on categories that offer higher reward points and use travel or lifestyle benefits such as lounge access, dining offers, or movie discounts. Your overall value depends on your spending habits.

Who can apply for the IDFC FIRST Bank SELECT Credit Card?

Indian residents aged 21 years or above, with a stable income and a satisfactory credit profile, can apply. Final approval is based on the bank’s internal eligibility checks.

How can I earn maximum rewards with the IDFC Select Credit Card?

You can maximise rewards by using the card for monthly spends above ₹20,000, where accelerated reward points are offered. Birthday spends also earn higher points. Routine transactions in eligible categories help increase your total reward earnings.

Does IDFC FIRST Bank SELECT Credit Card have lounge access?

Yes, the IDFC FIRST Bank SELECT Credit Card offers complimentary domestic airport lounge access (based on monthly spending conditions) and complimentary railway lounge access each quarter.