IDFC • mid
IDFC FIRST Select Credit Card
Mid-income earners wanting a free card with lounge access
Annual Fee
FREE
Joining Fee
FREE
Base Rate
1.5%
Our rating
8.2/10
Our rating is our own hand-set overall judgment of this card — not a computed score. How we set it →
IDFC
IDFC FIRST SELECT CREDIT CARD
mid
.. .. .. ..
VISA
Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.13,000
Annual fee-Rs.0
Net annual value+Rs.13,000
Value Breakdown
Base rate (1.5%)+Rs.9,000
Lounge access (8 visits)+Rs.4,000
Highlights
- Lifetime free
- 3X above Rs.20K spend
- 8 lounge visits/year
Reward Rates
Earn by category
over-20k-monthly
3X
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Questions
Frequently asked questions
What is the annual fee of IDFC FIRST Select Credit Card?
IDFC FIRST Select Credit Card is a lifetime free card with zero annual fee.
What is the reward rate on IDFC FIRST Select Credit Card?
IDFC FIRST Select Credit Card earns a base rate of 1.5%. See the reward-rates section above for category accelerators.
How to apply for IDFC FIRST Select Credit Card?
Apply online through IDFC's website, or use the Apply & Earn button on this page for a direct, unbiased apply link. Eligibility typically needs a credit score of 750+ and income as per bank criteria.