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 Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 2.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
IDFC FIRST Select Credit Card 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 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:
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
- IDFC FIRST Millennia Credit Card by IDFC First Bank — rated 4.4/5, NIL annual fee
Expert Rating: 4.5/5