Is IDFC FIRST Select Credit Card good for travel?

IDFC FIRST Select Credit Card is a rewards card from IDFC. It is not primarily a travel card, but may offer some travel benefits.

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IDFC FIRST Select Credit Card

Q: What is the annual fee of IDFC FIRST Select Credit Card?

IDFC FIRST Select Credit Card has no annual fee — it is a lifetime free credit card.

Q: How to apply for IDFC FIRST Select Credit Card?

You can apply for IDFC FIRST Select Credit Card online through IDFC's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

FREE

Annual Fee

FREE

Joining Fee

Visa/Mastercard

Network

rewards

CreditIQ Verdict

The IDFC FIRST Select Credit Card is a rewards credit card from IDFC with no annual fee, making it a strong choice for users who want rewards without ongoing costs. Best suited for users who spend regularly on rewards categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeNil (Lifetime Free)

Joining FeeNil

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on rewards regularly

+ Want a no-fee card

+ Have a good credit score (750+)

+ Earn Rs.0.3L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Already have a similar card

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 offers 1.5. Check the benefits section above for category-specific accelerators.

How to apply for IDFC FIRST Select Credit Card?

You can apply online through IDFC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

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Quick facts

Annual feeFree

NetworkVisa/Mastercard

BankIDFC

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