CardComparison.in
๐Ÿ  Home
๐Ÿƒ All Cards
โ‡„ Compare Cards 0
โš”๏ธ Card vs Card NEW
โ™ฅ My Wishlist
๐Ÿ“ Card Guides & Tips
Compare:
+ Add a card
+ Add a card
+ Add a card
cardcomparison.in
Last updated: 01-06-2026
IDFC FIRST Select Credit Card
IDFC First Bank

IDFC FIRST Select Credit Card

"Best mid-premium lifetime-free card โ€” 10X rewards on dining and travel, 2 domestic lounge visits per quarter, low interest rate from 9% per annum"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
Working professionals who want premium benefits (lounge access, rewards on dining and travel) without any annual fee; those who have outgrown entry-level cards but want to avoid premium card fees
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25 for most; โ‚น0.50 for travel via Rewards Gallery; RPs never expire)
๐ŸŽ‰ Welcome Benefit
โ‚น500 e-gift voucher on spending โ‚น5,000 within 30 days of card activation; 5% cashback up to โ‚น1,000 on first EMI transaction within 90 days
๐Ÿ’ฐ Reward Rate
10X Reward Points on dining and travel from first transaction (10 RPs per โ‚น200 = 2.5% effective); 3X on all other spends; 1X on insurance, utilities, FASTag, railways; 20% bonus RPs on hotel and 10% bonus on flights via IDFC FIRST Rewards Gallery; RPs never expire
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter (8 per year) on spending โ‚น20,000 in the current calendar month; 2 railway lounge visits per quarter
๐Ÿ’ฑ Forex Markup
3.5% on international transactions
โญ Rate this Card
Click to rate
โœ… Pros
  • Truly lifetime free
  • 10X rewards on dining and travel from day one
  • Reward Points never expire
  • 2 domestic lounge visits per quarter on โ‚น20K monthly spend
  • India's lowest interest rate starting from 9% per annum
  • UPI rewards via Digital RuPay add-on
  • 20% off at 1,500+ restaurants
โŒ Cons
  • No lounge access without โ‚น20K monthly spend
  • High forex markup 3.5%
  • Redemption fee โ‚น99 per transaction
  • Reward structure updated June 2026 โ€” verify current terms on IDFC FIRST website

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25 for most; โ‚น0.50 for travel via Rewards Gallery; RPs never expire)
Welcome Benefits
โ‚น500 e-gift voucher on spending โ‚น5,000 within 30 days of card activation; 5% cashback up to โ‚น1,000 on first EMI transaction within 90 days
Reward Rate
10X Reward Points on dining and travel from first transaction (10 RPs per โ‚น200 = 2.5% effective); 3X on all other spends; 1X on insurance, utilities, FASTag, railways; 20% bonus RPs on hotel and 10% bonus on flights via IDFC FIRST Rewards Gallery; RPs never expire
Reward Redemption
IDFC FIRST Rewards Gallery: flights and hotels at 1 RP = โ‚น0.50; other redemptions at โ‚น0.25 per RP; redemption fee โ‚น99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น200 to โ‚น5,000; maximum โ‚น200 per month
Lounge Access
2 complimentary domestic airport lounge visits per quarter (8 per year) on spending โ‚น20,000 in the current calendar month; 2 railway lounge visits per quarter
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
RPs never expire โ€” continuous accumulation; โ‚น500 welcome voucher on โ‚น5K spend in 30 days
Other Benefits
Personal accident cover โ‚น10 lakh; lost card liability โ‚น25,000; 20% off at 1,500+ restaurants; 15% off at 3,000+ wellness outlets; 25% off movies via District by Zomato (once per month on โ‚น20K previous spend); complimentary roadside assistance โ‚น1,399; Digital RuPay Credit Card for UPI payments (complimentary add-on); low interest from 9% per annum

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Personal accident cover โ‚น10 lakh; lost card liability โ‚น25,000; purchase protection
Add-on Cards
Complimentary Digital RuPay Credit Card for UPI payments
Concierge Services
Details coming soon
Special Offers
10X dining rewards; 2 lounge visits per quarter on โ‚น20K monthly spend; 20% off at 1,500+ restaurants; wellness discounts at 3,000+ outlets

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
0.75% to 3.5% per month (9% to 42% per annum) โ€” starting 9% per annum is India's lowest
ATM Cash Withdrawal / Cash Advance
โ‚น199 per cash withdrawal (interest-free for 48 days)
Late Payment Charges
15% of total amount due, minimum โ‚น100, maximum โ‚น1,300
Over Limit Charges
As per IDFC FIRST Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
Redemption fee โ‚น99 + GST; lounge requires โ‚น20K monthly spend; reward structure updated June 2026 โ€” verify current terms on IDFC FIRST Bank website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; salaried or self-employed; minimum monthly income โ‚น25,000 to โ‚น35,000; Indian resident; 700+ CIBIL
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and IDFC FIRST Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500; instant EMI online; tenures 3 to 18 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per IDFC FIRST Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via IDFC FIRST Bank mobile app
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Lost card liability โ‚น25,000; purchase protection
Virtual Card Numbers
Virtual card via IDFC FIRST Bank app
Zero Liability Protection
Zero liability on unauthorized transactions after timely reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 500 9900 (24x7)
Chat / Email Support
Chat via IDFC FIRST Bank mobile app
Mobile App
IDFC FIRST Bank app: manage card, track RPs, pay bills, EMI, UPI via Digital RuPay add-on
Online Banking
Full management via IDFC FIRST Bank website and app

Last updated: 01-06-2026

โญ User Reviews

Leave a Reply

Your email address will not be published. Required fields are marked *

9 + 1 = ?

๐Ÿƒ Related Cards You Might Like

ยฉ 2026 CardComparison.in โ€” All rights reserved.
Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:31 PM
cardcomparison.in