LIFETIME FREE RuPay 📡 Contactless NFC

IDFC FIRST Select Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 1.99%

Apply & Earn ₹250 →

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹250 directly upon successful card approval.

Claim ₹250 & Apply →

🎉

Joining & Activation Welcome Gift

Voucher worth ₹500 on spending ₹15,000 within 30 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction

Earn 33% Bonus Reward Points on Hotel

Bookings via FIRST Rewards Gallery on IDFC FIRST Bank Mobile App, over and above regular card reward points

Enjoy 4 Complimentary Railway Lounge

Visits per quarter on spending ₹20,000 in the current calendar month to avail in the following month

Earn 3X Reward Points on Rental, Government, Education

and Wallet Load Spends i.e. 3 reward points per ₹200 spent

Save on International Spends with low forex markup fee

at just 1.99% on foreign currency transactions

Get Free Trip Cancellation cover up to ₹10,000

on flight bookings made with the card

Earn 10X Reward Points on Eligible

spends i.e. 10 reward points per ₹200 spent (1 point = ₹0.25), reward points never expire

Earn 13% Bonus Reward Points on Flight Bookings

via FIRST Rewards Gallery on IDFC FIRST Bank Mobile App, over and above regular card reward points

Enjoy 1 Complimentary Domestic Airport Lounge

visit per quarter on spending ₹20,000 in the current calendar month to avail in the next month

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

3X Reward Points per ₹150 spent on retail spends (0.5% value)

Accelerated / Partner Rate

10X Reward Points per ₹150 spent on incremental spends above ₹20,000 per statement cycle and on birthday spends

Points Validity:Never Expire

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: IDFC FIRST Rewards Portal, Flight and Hotel Bookings, Brand Vouchers, Product Catalog

🚫 No Reward Points / Cashback on:

Fuel EMI Transactions Cash Advances Balance Transfers Wallet Loads Government Transactions

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 visits per quarter

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum spends of ₹5,000 in the previous calendar quarter to unlock lounge access

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Lifetime Free card with no annual or joining fees

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver (Capped at ₹300/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹100,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

Official Bank Portal Application

Get the IDFC FIRST Select Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

Apply & Claim ₹250 →

Personalized Card Matcher

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Frequently Asked Questions

Yes, the IDFC FIRST Select Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

IDFC FIRST Select Credit Card Lifetime Free (₹0)