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

Issuer: IDFC FIRST Bank

Network: Visa | Tier: Entry

LTF rewards card

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 10X rewards and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.

New cardholders are welcomed with None, 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 Markup1.99%
Fuel Surcharge Waiver1% waiver

IDFC FIRST Select Credit Card Rewards & Benefits

Reward Rate10X rewards
Welcome BonusNone
Lounge Access1 domestic airport and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month)
Best ForGeneral users

Key Highlights of the IDFC FIRST Select Credit Card

  • LTF rewards card
  • 10X rewards
  • 1 domestic airport and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month)

IDFC FIRST Select Credit Card Eligibility Criteria

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

Minimum Income Required: ₹3,00,000/year

Advantages of the IDFC FIRST Select Credit Card

  • No annual fee

Drawbacks of the IDFC FIRST Select Credit Card

  • Moderate rewards

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 None 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 1 domestic airport and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month).

Who is eligible for the IDFC FIRST Select Credit Card?

The minimum income requirement is ₹3,00,000/year. 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 10X rewards. 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 →