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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.
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 |
|
Earn accelerated reward points on spends above ₹20,000 and on your birthday.
Enjoy a 'Buy One, Get One' offer on movie tickets up to ₹125 on the Paytm mobile app twice a month.
Get 2 complimentary domestic airport lounge visits per quarter on spending ₹20,000 every month.
Travel without any hassles with 4 complimentary railway lounge visits per quarter.
Here are the key features of the rewards program of this IDFC FIRST Bank credit card:
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 |
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.
Reward points earned on this card come with lifetime validity.
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) |
Reward Points = 24,000 10X (₹3,60,000/150) |
6,000 |
Online & Offline Purchases |
Accelerated Category Spends (3X) |
Reward Points = 4800 3X (₹2,40,000/150) |
1,200 |
Insurance and Utilities |
Normal Category Spends (1X) |
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.
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.
Check the IDFC FIRST Bank SELECT Credit Card’s eligibility criteria before you apply to have the best chance of getting approval. Also, ensure you have all the necessary documents ready.
To apply, you need to meet the following requirements:
Age should be between 21 years/25 years (for salaried and self-employed respectively) to 70 years
You must have a stable and regular source of income of at least ₹12 Lakhs per annum
Have a good credit score
The following are some of the basic documents needed for the same:
Identity Proof (any one of the following): PAN Card or Passport
Address Proof (any one of the following): Aadhaar Card or Voter ID
Income Proof: Latest salary slips (2-3 months) or Form 16 (for salaried) and Income Tax Returns (ITR) or bank statements showing income (for self-employed)
You can apply for the IDFC FIRST Bank SELECT Credit Card online on Bajaj Markets. Follow these steps:
Click on the ‘Check Eligibility’ 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 Credit Card from the available options
Submit and proceed to complete the application
In case of any query or complaint, you can contact the IDFC FIRST Bank’s customer care via the following options:
Call the bank’s 24X7 helpline at 1800-10-888
Save the WhatsApp communication number, 95555 55555 and send a ‘Hi’
Write an email and send it to banker@idfcfirstbank.com
Before applying for an IDFC FIRST Bank credit card, look at the following table to compare the features of different offerings:
Card Name |
Cashback |
Complimentary Airport Lounge Access |
Fuel Surcharge Waiver |
10X Reward Points |
|---|---|---|---|---|
FIRST Select Credit Card |
❌ |
✅ |
✅ |
✅ |
FIRST SWYP Credit Card |
✅ |
✅ |
✅ |
❌ |
FIRST EARN Credit Card |
✅ |
❌ |
❌ |
❌ |
FIRST Millennia Credit Card |
✅ |
❌ |
✅ |
✅ |
FIRST Power Credit Card |
❌ |
❌ |
❌ |
❌ |
FIRST WOW! Credit Card |
❌ |
❌ |
❌ |
❌ |
FIRST Wealth Credit Card |
❌ |
✅ |
✅ |
✅ |
FIRST Power+ Credit Card |
❌ |
❌ |
❌ |
❌ |
FIRST Classic Credit Card |
❌ |
❌ |
✅ |
✅ |
Note: The benefits mentioned may change as per the policies of the IDFC FIRST Bank. Check them before you apply for a specific card.
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.
The IDFC FIRST Bank SELECT Credit Card is a lifetime-free credit card designed to offer various rewards and exclusive benefits.
The following are some of the standout advantages of this credit card from the IDFC FIRST Bank:
Accelerated reward points on eligible transactions
Complimentary airport lounge access
BOGO on movies
Fuel surcharge waiver
Access to exclusive dining offers
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.
No, the IDFC FIRST Bank SELECT Credit Card has no annual fee.
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.
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.
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.
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