IDFC FIRST Select Credit Card
Targeted at corporate professionals, the IDFC FIRST Select Credit Card delivers a balanced mix of travel and lifestyle benefits with zero annual fees. It pairs domestic airport lounge access and BookMyShow movie discounts with a discounted 1.99% foreign exchange markup and never-expiring reward points.
Why We Recommend The IDFC FIRST Select Credit Card
A practical Lifetime Free card offering airport lounges, movie savings, and a low 1.99% forex fee without ongoing maintenance charges.
Mid-to-senior corporate employees seeking domestic airport lounges, movie BOGO, and low forex fees without an annual fee.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the IDFC FIRST Select Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for IDFC FIRST Select Credit Card
Zero hidden costs. Complete fee schedule verified with IDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the IDFC FIRST Select Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per calendar year (1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Complimentary Priority Pass membership (standard visit fees apply)
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes IDFC FIRST Select Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Subsidized 1.99% foreign exchange markup on cross-border transactions.
Buy 1 Get 1 free movie ticket on District / BookMyShow (up to ₹125 discount, twice a month).
Complimentary domestic airport lounge and railway lounge visits every quarter.
Pros & Cons of the IDFC FIRST Select Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Completely Lifetime Free mid-tier card with a competitive 1.99% forex markup.
- Movie ticket savings up to ₹250 monthly on BookMyShow.
- Never-expiring reward points with direct cash statement redemption.
Things to Consider (Cons)
- Domestic airport lounge access requires spending ₹20,000 in the previous calendar month.
- International Priority Pass visits are chargeable.
- 10X acceleration requires exceeding the ₹20,000 monthly spending threshold.
Who Can Apply for the IDFC FIRST Select Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from IDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About IDFC FIRST Select Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the IDFC FIRST Select Credit Card?
Check your pre-approved credit limit and instant approval eligibility across IDFC Bank with 100% paperless verification and zero score impact.