The IDFC First Select Credit Card is a versatile financial tool designed to enrich your lifestyle, reward your spending, and make travel more convenient. With zero joining fees and a slew of premium features, this card is perfect for individuals with an annual income of at least INR 12 lakhs. From exclusive ‘Buy One, Get One’ movie ticket offers to substantial loyalty points, the card offers a range of perks. It even ensures your financial and physical security through comprehensive insurance coverage. Whether you’re dining out, shopping online, or globetrotting, the IDFC First Select Credit Card promises a world of benefits with the ultimate convenience


Shopping , Rewards , Travel , Lifestyle

Minimum Credit Score Required


Check free credit score


42% annual percentage rate


  • Accumulate 6X loyalty points on web-based shopping for expenditures not exceeding ₹25,000 per month.
  • Collect 3X loyalty points for in-store buys up to a limit of ₹25,000 every month.
  • Get up to 4 free railway lounge entries each quarter.

Welcome Offer

  • Earn an initial bonus of ₹500 when you make purchases totalling ₹15,000 or more within your card’s first 90 days of activation.
  • Enjoy a 5% cash rebate on the first EMI payment you make within 30 days of card activation, up to a maximum of ₹1,000.

Movie: Enjoy a BOGO offer on movie tickets with a maximum capping of INR250 on the Paytm mobile app, which is valid for a maximum of 2 times per month.

Card Fee

Annual Fee


Joining Fee


Foreign Transaction Fee


*Applicable Taxes

Fraud Liability

Cover worth 50,000

Expert Review



Advice from our Experts

Its time to elevate your lifestyle with the IDFC First Select Credit Card. Earn 10X rewards, low rates, lounge access, and more. Experience luxury, savings, and exclusive privileges like never before. Indeed, this is a perfect card to upgrade your savings on your expense

Our Credit Cards are like no other:

  • Lifetime free
  • Low interest ratesstarting from 9% p.a.
  • Upto 10X rewards10X rewards on your birthday, and crossing the spend threshold, on certain variants
  • Interest freeATM cash withdrawal for upto 48 days

IDFC First Select Credit Card Overview

IDFC First Select Credit Card: Multiple Rewards, Great Experiences Awaits!

The IDFC First Select Credit Card is your one-stop solution for travel, lifestyle, and rewards. It offers a plethora of benefits, including fuel surcharge waivers, complimentary lounge access, and a rewards program that gives back for every rupee you spend. Best suited for individuals with diverse spending habits, this card comes with zero joining fees and a myriad of lifestyle and travel perks.

The First Select Card ensures you’re well-insured during your travels, providing comprehensive journey insurance, air mishap protection, and even a CFAR insurance policy. Plus, with no annual fees and attractive interest rates, this card is a financially sensible choice for the long term.

As a lifestyle enabler, the Select Credit Card from IDFC First Bank enhances your daily life by offering up to 20% discounts at over 1,500 restaurants and 15% off at 3,000+ wellness outlets. ‘Buy one, get one free’ movie ticket offers and 300+ year-long merchant offers add the cherry on top, making your lifestyle more enjoyable without breaking the bank.

IDFC First Select Credit Card Features & Benefits

If you are looking for a credit card that offers you all the lifestyle benefits with multiple reward points, then IDFC First Select Credit Card is just the perfect choice for you. Designed with premium features, it is one of the best IDFC bank credit cards in India that can offer you hundreds of benefits at a time, shared as below.

IDFC First Select Card Insurance Benefits

Being insured is a must when you’re on the go, and this card ensures that you’re well-covered. With impressive air accident coverage and personal accident policy, you can travel with peace of mind. There are even safeguards for lost cards and comprehensive travel insurance benefits, making it one of the best credit cards in India for the security-conscious consumer.

  • Air Mishap Protection up to ₹1 crore, valid with at least one transaction in the last 30 days.
  • Personal Safety Coverage of ₹5 lakhs and Financial Safeguard for Misplaced Card of ₹50,000, also valid with one transaction in the last 30 days.
  • Comprehensive Journey Insurance of ₹22,500, covering loss of checked-in baggage up to USD 500, delay of checked-in baggage up to USD 100, loss of passport and other documents up to USD 300, and flight delays up to USD 300.

IDFC First Select Card Additional Benefits

Financial flexibility and convenience are key when it comes to choosing a credit card. This card offers features that go beyond the norm, such as instant EMI conversions and balance transfer privileges from other credit cards. With competitive low-interest rates and no annual fees, it’s an all-around solid choice for a lifetime of spending ease.

  • Turn any transaction over ₹2,500 into manageable monthly instalments via your mobile app.
  • Immediate EMI options for online purchases over ₹2,500 during the bank’s OTP authentication process.
  • Effortlessly move your credit balances from cards of other banks using our special balance transfer feature.
  • Attractive interest rates range between 0.75% and 3.5% monthly (equivalent to 9% to 42% annually).
  • No recurring annual fees, offering a card that’s free for life.
  • Comprehensive liability protection covering loss of card and defences against various types of online fraud.
  • A modest 1.5% markup fee for transactions made in foreign currencies.

IDFC First Select Card VISA Benefits

Financial flexibility and convenience are paramount features of the IDFC First Select VISA Card. Alongside this, cardholders enjoy a range of luxurious perks aimed at enhancing their travel and lifestyle experience.

  • Airport Meet & Greet: Take advantage of discounts on fast-track immigration services at more than 450 global destinations.
  • Airport Transfers: Enjoy lucrative discounts on limousine airport transfer services across 3,000 cities in 83 countries.
  • Concierge Services: Benefit from a modern, tailored experience that allows you to self-book dining, staycations, flights, and activities.
  • Luxury Hotel Collection: Access a selection of over 900 luxury hotels worldwide with premium perks like automatic room upgrades, complimentary Wi-Fi, continental breakfast, VIP guest status, and flexible 3 PM check-out upon request.

IDFC First Select Card MasterCard Benefits

The IDFC First Select MasterCard also focuses on financial flexibility and convenience. It comes loaded with features that provide not just monetary ease but also lavish extras to make your journey more enjoyable.

  • Limo Service Airport Pick-Up and Drop: Arrange rides for your loved ones or any beneficiary at more than 50 international locations.
  • Airport Meet & Assist: Experience full-fledged assistance during your airport departures and arrivals, making your journey hassle-free.
  • Golf Program: Indulge in your love for golf with four complimentary rounds and 12 lessons per calendar year, limited to 1 round or lesson per month.

Each of these benefits adds a layer of comfort, luxury, and ease to your life, ensuring that your financial tool does more than just handle transactions.

IDFC First Select Credit Card Reward Benefits

The card’s reward program is designed to provide the most value possible. It offers tier-level reward points for a number of different spending categories, maximizing your rewards for every rupee spent. The following are the advantages that you will receive by using this best reward credit card in India:

  • Earn 10X points for spending over ₹25,000 a month and on your birthday.
  • Collect 6X and 3X points for online and in-store spending, respectively, up to ₹25,000 monthly.
  • Each ₹125 spend gets you 1 reward point, termed as 1X.

Despite the sizeable rewards program, it’s critical to be aware that some sorts of purchases, like fuel and EMIs, are not eligible for reward points.

  • Fuel, EMI transactions, and cash withdrawals do not accrue points.
  • Earn 3X points on property management expenses, but these won’t count toward the 10X rewards.
  • From August 21, 2023, earn 1x points on insurance premiums and utility bills. These transactions won’t count towards the 10X rewards program or its thresholds.

IDFC First Select Card Reward Redemption Benefits

While the card comes with various benefits, and one is the benefit of reward redemption. The benefits that you gain with this are as follows:

  • Each reward point equals ₹0.25.
  • All the reward points come with a lifetime validity, which is truly bliss.
  • You can use these reward points to instantly pay for any online or in-store purchases. 

IDFC First Select Credit Card Lifestyle Benefits

The card excels in providing a myriad of lifestyle benefits that include year-long deals across various domains like dining, health, and wellness. It’s your go-to option for an enhanced lifestyle without overspending.

  • ‘Buy one, get one’ offer on movie tickets via the Paytm app, up to ₹250 (valid twice per month).
  • Up to 20% discount at over 1,500 restaurants.
  • Up to 15% discount at more than 3,000 health and wellness outlets.
  • 300+ merchant offers all year long.

IDFC First Select Credit Card Travel Benefits 

Being one of the best travel credit cards in India, the IDFC First Select Card brings several travel-specific benefits to its users that make journeys both enjoyable and cost-effective.

  • Four complimentary domestic airport lounge visits per quarter, contingent on a minimum monthly spend of ₹5,000.
  • Four complimentary railway lounge visits per quarter.
  • Cancellation for Any Reason (CFAR) insurance that provides cancellation cover for two claims, each up to ₹10,000, applicable for both hotel and flight bookings.
  • Complimentary roadside assistance package valued at ₹1,399.
  • Fuel surcharge waiver of 1%, applicable at all fuel stations across India, capped at ₹300 per month and valid on transaction values between ₹200 & ₹5,000.

IDFC First Select Credit Card Charges

Despite the fact that the First Select card does not have a joining fee, there are certain additional fees that you should be aware of when using the card. These could involve late payment fees, cash advance fees, and fines for going over your credit limit.

  • Cash Advance Limit: Rs.199
  • Over Limit Penalty: 2.55% or INR 500 (whichever is higher)
  • Minimum Repayment Amount: 5% or INR 100 (whichever is higher)
  • Card Replacement Fees: INR 100

Late Payment Fees

  • Any amount due: 15% of the amount due with a minimum of Rs.100 and a maximum of Rs.1250
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