IDFC FIRST Select Credit Card
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.
Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 2.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Rewards & Benefits
| Reward Rate | Up to 10X RP on select spends |
|---|---|
| Welcome Bonus | Lifestyle & travel privileges |
| Lounge Access | Domestic airport lounge access |
| Best For | General users |
Key Highlights
- LTF rewards card
- 10X rewards
Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹3
- 00
- 000/year
Minimum Income Required: Mid-high income salaried/self-employed
Pros
- 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
Cons
- 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
Expert Rating: 4.5/5