A credit card that gives every milestone the moment they deserve

Rewards & Benefits

• Lifetime free credit card with dynamic interest rate (0.75%–3.5% per month).
• Welcome benefits worth up to ₹1,500 (₹500 voucher + 5% EMI cashback up to ₹1,000).
• Never-expiring reward points.
• 3X Rewards on everyday spends; 10X Rewards on birthdays and spends above threshold.
• 8 complimentary Domestic Airport Lounge visits per year (on spends ≥ ₹20,000 in previous month).
• 16 complimentary Railway Lounge visits per year.
• Buy 1 Get 1 movie tickets (up to ₹125, valid twice a month).
• Dining discounts up to 20% at 1,500+ restaurants.
• Enticing 300+ brand offers all year long.
• Low Forex markup at 1.99%.
• Free trip cancellation cover up to ₹10,000.
• Fuel surcharge waiver up to ₹300 per month.
• Roadside assistance worth ₹1,399.
• Up to 15% discount at 3,000+ Health and Wellness outlets.
• Interest-free ATM Cash withdrawals up to 45 days.
• Convert large transactions into easy EMIs.
• UPI on credit: Link to UPI apps, earn ₹200 cashback on first 4 UPI transactions.

Fees & Charges

Eligibility Criteria

• Minimum age: 21 years.
• Salaried or self-employed applicant with stable income.
• Good credit history required for approval.
• Documents required: PAN, Aadhaar, and income proof (salary slip/ITR).

How to Apply

You can apply for the IDFC FIRST Select Credit Card online or offline:

• Online: Click Apply Now and complete the form.
• Offline: Visit your nearest IDFC FIRST Bank branch with required documents.