IDFC FIRST Select Credit Card: Features & Apply

Summary

Designed for those seeking exceptional perks free of annual fees, the IDFC FIRST Select Credit Card is smart and premium. It is a lifetime free credit card, first of all, hence annual renewal fees, membership dues, and hidden expenditures are absent. This is the ideal option for first-time and seasoned cardholders as well.

Apart from that, the card gives outstanding reward points—3X on offline purchases, 6X on online transactions, and 10X on special events like your birthday or monthly sales above ₹ 2,000. The finest thing is that these reward points never expire, thus you may use them whenever you want, free from pressure.

Moreover, included on the card are free access to rail and airport lounges, which amplify your travel experience and add elegance. If you travel regularly, this feature could be really helpful. With low-interest rates, interest-free ATM withdrawals for 48 days, and quick EMI conversions, the card also offers notable financial independence.

Introduction

A credit card is a lifestyle partner in the current world of ours, not only a means of payment. A credit card provides ease, security, and fantastic benefits whether you’re shopping, traveling, dining out, or booking online services booking is related. For those who want to enjoy premium advantages without paying hefty fees among the several credit cards available in India, the IDFC FIRST Select Credit Card has grown to be a preferred option. 

First of all, the IDFC FIRST Select Credit Card has a zero annual fee for life, hence, annual expenses are not something you have to worry about. Though a lifelong free credit card, it has several premium benefits, including unlimited cashback, access to airport lounges, a fuel surcharge waiver, and appealing reward points on every purchase. It also provides access to offers in dining, entertainment, shopping, and much more. 

Furthermore, the card has low interest rates—that is, far lower than other credit cards available—starting from just 0.75% each month (9% annually. Since it lessens the total load of interest, this function qualifies for those who occasionally carry forward their credit card debt. Furthermore, tailored depending on your credit profile, the interest rate guarantees equitable treatment to all kinds of users.

The reward scheme of the IDFC FIRST Select Credit Card is another main benefit. This card provides lifetime valid reward points, unlike many other cards, which expire after a specific period. Furthermore, you get simple access to redeem these points across several categories, free from any restrictions or complex guidelines. With your consistent lifestyle, the card also provides extra reward points on online purchases and transactions above a specified limit, therefore assisting you to earn more.

What is the IDFC FIRST Select Credit Card?

Premium lifetime free credit cards available from IDFC FIRST Bank are the IDFC FIRST Select Credit Cards. It is especially meant for those who like to enjoy first-rate amenities without paying any annual or membership costs. Unlike many other credit cards, this one offers one package combining luxury, savings, and rewards.

Starting with infinite cashback, reward points, and airport lounge access—all without additional cost—it provides It also fits daily use since it offers you special offers on dining, shopping, travel, and entertainment. Your reward points never expire, which is another fantastic advantage; you may quickly redeem them anywhere.

How is the design of the IDFC FIRST Select Credit Card?

The IDFC FIRST Select Credit Card’s design is straightforward, elegant, and contemporary. Its elegant black and silver color combination immediately appeals as premium, which distinguishes it from other cards. The card seems simple, which indicates that it lacks too many distracting details, thereby presenting a neat and professional look.

Besides, unlike the traditional horizontal card, this one is vertical. Apart from its fashionable appearance, this new-age design simplifies swipes or insertions into machinery. Moreover, the card displays just the required information—that is, your name and the chip—while maintaining sensitive data such as the card number and CVV on the reverse. This gives another level of privacy and protection.

What are the benefits of the IDFC FIRST Select Credit Card?

Without any joining or yearly fees, as a lifetime free card, it combines luxury, rewards, and financial flexibility.

Welcome gains

• Top brands, including Amazon, Bigbasket, Uber, or Lifestyle, will send a ₹500 gift certificate upon expenditure of ₹5,000 within 30 days of card issue. 

• Enjoy up to ₹1,000 cashback on your first EMI transaction completed within 30 days of card activation. 

Reward Scheme

• 3X Reward Points: On offline purchases, get 3X points.

• On internet purchases, earn 6X reward points.

• On your birthday and purchases above ₹20,000 in a billing cycle, earn 10X reward points. 

• Reward points never expire, hence you can build and use them whenever it is most convenient.

Travel and Lifestyle advantages

• Subject to expenditure of ₹20,000 in the previous month, enjoy eight complimentary domestic airport lounge visits annually. 

• Avail 16 free train lounge visits yearly with comparable expenditure criteria. 

• Dining Discounts: Over 1,500 Indian restaurants can let you save up to 20%. 

• Twice a month, benefit from a ‘Buy 1 Get 1’ offer on movie tickets up to ₹125. 

Safety & Protection: Insurance

• Personal Accidental Cover: Up to ₹5 lakh. 

• Protection against fraudulent transactions up to ₹50,000 helps to mitigate lost card liability. 

• Reimbursement for canceled hotel or flight bookings runs up to ₹10,000. 

Fuel & Forex Advantages

• Save up to ₹300 every month on fuel transactions by waiving the surcharge. 

• On overseas transactions, benefit from a competitive 1.99% foreign exchange markup cost.

What are the fees for the IDFC FIRST Select Credit Card?

Here is a simple breakdown of the  IIDFC FIRST Select Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 0.75% per month (3.5% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IDFC FIRST Select Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IDFC FIRST Select Credit Card?

The documents that you will have to submit to get the IIDFC FIRST Select Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IDFC FIRST Select Credit Card be used?

Here is the list of places where you can use it:

• With the IIDFC FIRST Select Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IIDFC FIRST Select Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The IIDFC FIRST Select Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IDFC FIRST Select Credit Card?

The credit amount you can spend is what you are provided to you with an IIDFC FIRST Select Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IDFC FIRST Select Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IDFC First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IDFC First Bank; for instance, you can choose the IDFC FIRST Select Credit Card.

• Just hover your cursor on the  IIDFC FIRST Select Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IDFC First Bank branch to apply for the IDFC FIRST Select Credit Card.

• Request the credit card application form for the  IIDFC FIRST Select Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IIDFC FIRST Select Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the IDFC First Bank Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an IDFC FIRST Select Credit Card in 2025 be right?

Getting an IIDFC FIRST Select Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IDFC First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

All things considered, the IDFC FIRST Select Credit Card offers everyone striving for a luxury lifestyle a complete package with free annual fees. Low interest rates, free EMIs conversion, and interest-free ATM withdrawals—which give financial flexibility—allow you not only top-class advantages, including unlimited points, access to airline lounges, and dining savings.

Furthermore,e unique about the card is its lifetime free nature, which releases any joining or renewal expense issue. The reward points also never expire, so you are quite free to utilize them whenever you choose. This card will cover all your daily lifestyle and expenses, regardless of your interests—travel, dining out, shopping, or simply wise money management.

Handling your card also gets a lot more handy with the user-friendly mobile app, UPI connectivity, and fast customer service. Lost card protection, personal accident coverage, and fuel fee waivers provide an added layer of security that greatly improves the quality of life.

Frequently Asked Questions (FAQ’s)