IDFC First Bank · Credit Card
IDFC First Bank First Select Credit Card
Official product: FIRST Select Credit Card
- Curated privileges across dining, travel and lifestyle
- Higher reward rates and premium privileges
- Priority service and exclusive access
Opens the partner’s official application pageDownload product PDF
Fees, rewards and eligibility shown below are decided solely by IDFC First Bank and can change without notice — always confirm current terms on the official page before applying.
Fees & Charges
- Joining Fee
- ₹0
- Annual / Renewal Fee
- ₹0
- Annual Fee Waiver Condition
- Not required — lifetime free
- Interest Rate / Finance Charge
- As per IDFC FIRST Bank card variant schedule in current MITC; variant-specific rate applies.
- Late Payment Charges
- As per IDFC FIRST Bank current MITC / schedule of charges.
- Forex Markup Fee
- Not disclosed by issuer — check official card page
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- 3X rewards on regular eligible spends and up to 10X on qualifying higher-spend tiers per variant terms.
- Reward / Cashback Cap
- Not disclosed by issuer — check official card page
- Welcome Benefits
- Product-specific welcome offers apply; see official product page.
- Domestic Lounge Access
- Not disclosed by issuer — check official card page
- International Lounge Access
- 2 domestic lounge visits per calendar quarter
- Lounge Unlock / Spend Condition
- Not disclosed by issuer — check official card page
- Fuel Surcharge Waiver
- ₹20,000 spend in previous calendar month for current lounge benefit.
Eligibility & Documents
- Minimum Income / Eligibility
- Not disclosed by issuer — check official card page
- Age Eligibility
- Product-specific; bank underwriting applies.
- Employment Type
- Salaried / self-employed; secured variants may rely on FD rather than income underwriting.
- Documents Required
- KYC/PAN and income or FD-related documents as applicable to variant.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Frequently asked questions
What are the joining and annual fees for the IDFC First Bank First Select credit card? ▾
Joining fee: ₹0. Annual fee: ₹0. Fee waiver: Not required — lifetime free.
What rewards or cashback does the IDFC First Bank First Select credit card offer? ▾
3X rewards on regular eligible spends and up to 10X on qualifying higher-spend tiers per variant terms.
Who is eligible for the IDFC First Bank First Select credit card? ▾
Product-specific; bank underwriting applies. Salaried / self-employed; secured variants may rely on FD rather than income underwriting.
Does the IDFC First Bank First Select credit card offer airport lounge access? ▾
International: 2 domestic lounge visits per calendar quarter