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IDFC FIRST Bank SELECT Credit Card

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.

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

Features and Benefits

10X Reward Points

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

Movie Discounts

Enjoy a 'Buy One, Get One' offer on movie tickets up to ₹125 on the Paytm mobile app twice a month.

Airport Lounge Access

Get 2 complimentary domestic airport lounge visits per quarter on spending ₹20,000 every month.

Railway Lounge Access

Travel without any hassles with 4 complimentary railway lounge visits per quarter.

CFAR Insurance

Get a ‘Cancellation for Any Reason’ insurance covering up to 2 claims of up to ₹10,000 for hotel and flight cancellations.

Golf Program

Play 4 complimentary rounds of golf and get 12 golf lessons per calendar year.

Lifetime-free Credit Card

Enjoy the services of this card without paying any maintenance charges.

Flexible EMI Options

Convert all transactions above ₹2,500 into easy and convenient EMIs from your mobile app.

Complimentary Roadside Assistance (CRA)

In case of a car breakdown, get a quick CRA worth ₹1,399 throughout India, 4 times a year.

Airport Meet & Greet

Enjoy discounts on Airport Fast Track immigration services at over 450 destinations globally.

Airport Transfer

Attractive discount offers on airport transfer limousine services across 3,000 cities in 83 countries.

Concierge Service

Enjoy a personalised concierge service to assist with dining, staycations, flights, and activities.

Luxury Hotel Collection

Get access to over 900 luxury hotels with benefits like automatic room upgrades, complimentary Wi-Fi, and VIP status.

Dining Discounts

Enjoy your meals at 1500+ restaurants across the country with up to a 20% discount.

Comprehensive Travel Insurance

Coverage of up to ₹22,500 for unforeseen circumstances provides peace of mind while you’re on the go.

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IDFC FIRST Bank Select Credit Card’s Rewards Program

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. 

​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.

Eligibility and Application Process

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) 

Apply Online

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

  1. Click on the ‘Check Eligibility’ button and enter your details, including date of birth, phone number, and occupation 

  2. Enter the OTP sent to your registered mobile number 

  3. Review the pre-filled details such as PAN number, residential PIN code, email address, and income details 

  4. Select the IDFC FIRST Bank Credit Card from the available options 

  5. Submit and proceed to complete the application

Customer Care

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

IDFC FIRST Bank Select Credit Card vs Others

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.

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.

Frequently Asked Questions

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.

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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