CreditCardHunt.in — India's Best Credit Card Directory

IDFC FIRST Select Credit Card Review 2026 — Fees, Rewards & Eligibility

Issuer: IDFC First Bank

Network: Visa | Tier: Entry

The IDFC FIRST Select Credit Card is a premium, lifetime-free lifestyle card offering a strong balance of retail rewards and travel perks. It accelerates your earning potential on monthly spending thresholds and birthday purchases with no annual fees.

Why Choose the IDFC FIRST Select Credit Card?

The IDFC FIRST Select Credit Card is a Entry-tier Visa credit card issued by IDFC First Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for General users. With a reward rate of Up to 10X RP on select spends and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.

New cardholders are welcomed with Lifestyle & travel privileges, which adds immediate value in the first year.

IDFC FIRST Select Credit Card Fees & Charges

Annual FeeNIL
Joining FeeNIL
Interest Rate2.99% per month
Foreign Markup3.5%
Fuel Surcharge Waiver1% waiver

IDFC FIRST Select Credit Card Rewards & Benefits

Reward RateUp to 10X RP on select spends
Welcome BonusLifestyle & travel privileges
Lounge AccessDomestic airport lounge access
Best ForGeneral users

Key Highlights of the IDFC FIRST Select Credit Card

  • LTF rewards card
  • 10X rewards

IDFC FIRST Select Credit Card Eligibility Criteria

  • Age: 21-65 years
  • CIBIL score: 750+
  • Minimum income: ₹3
  • 00
  • 000/year

Minimum Income Required: Mid-high income salaried/self-employed

Advantages of the IDFC FIRST Select Credit Card

  • Completely lifetime free with zero annual or renewal charges
  • Low foreign currency markup fee of just 1.99%
  • Up to 10X accelerated rewards on monthly spends exceeding ₹20
  • 000 and on birthdays
  • Reward points carry lifetime validity and never expire
  • Includes complimentary domestic airport and railway lounge access

Drawbacks of the IDFC FIRST Select Credit Card

  • Low base reward redemption value (1 Reward Point = ₹0.25)
  • Quarterly lounge access requires a minimum monthly spend of ₹20
  • 000
  • No complimentary international airport lounge access
  • Excludes fuel
  • insurance
  • and EMI transactions from accelerated 10X reward calculations
  • Reward structure features lower baseline returns for low-to-moderate spenders

IDFC FIRST Select Credit Card — Frequently Asked Questions

What is the annual fee of the IDFC FIRST Select Credit Card?

The IDFC FIRST Select Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive Lifestyle & travel privileges as a welcome benefit, which helps offset the joining cost.

Does the IDFC FIRST Select Credit Card offer airport lounge access?

Yes — the IDFC FIRST Select Credit Card offers Domestic airport lounge access.

Who is eligible for the IDFC FIRST Select Credit Card?

The minimum income requirement is Mid-high income salaried/self-employed. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.

What is the reward rate of the IDFC FIRST Select Credit Card?

The IDFC FIRST Select Credit Card earns Up to 10X RP on select spends. It is best suited for General users.

Credit Cards Similar to the IDFC FIRST Select Credit Card

If you are considering the IDFC FIRST Select Credit Card, these entry-level credit cards are worth comparing before you apply:

Expert Rating: 4.5/5

View Full Review on CreditCardHunt.in →