IDFC First Bank First Select Credit Card Review

When it comes to premium benefits at an affordable rate, there are only a few credit cards that can be compared with the idfc first bank first select credit card. This is not only a credit card that has a very attractive look, it packs a real punch offering powerful idfc credit card reward points on every transaction, free access to airport lounges, exclusive deals on dining and movies, and lots more.

The most attractive part is that you will get to enjoy all the benefits without any joining or annual fees. More about the idfc credit card benefits are mentioned below. 

How does the idfc first bank credit card eligibility work?

  • Resident Type:  Indian. 
  • IDFC bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: 8 lakh annually. (min)
  • IDFC credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: 9 lakh annually. (min)
  • A good CIBIL Score (750+) is mandatory to apply for this idfc first bank select credit card.

You can apply for this idfc card from the idfc credit card apply online portal, once your application is submitted successfully, you can track your idfc first bank credit card application status using your unique application id.

What documents are required to apply for an idfc first bank credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

What are the idfc bank first select credit card fees?

  • IDFC first select credit card joining fee: None. 
  • IDFC first select credit card annual fee: None. 

How does the idfc select credit card benefit you?

  • Get started with a huge welcome gift:

As you complete Rs.15,000 spend transaction with your IDFC first credit card within the first 90 days of your idfc credit card activation, you will be welcomed with a Rs.500 gift voucher as a welcome gift. You will also get a 5% discount on your first EMI payment. 

  • Get rewarded for every transaction you make:

On completing Rs.20,000 credit card spend within a month, you will unlock the idfc rewards scheme.

Category of transaction

Rate of earning idfc rewards points

Transactions above Rs.20,000 10X rewards for every Rs.100 transaction
Transactions made on your birthdays 10X rewards for every Rs.100 transaction
Every Rs.100 online credit card transactions 6X rewards
Every Rs.100 spent on offline transactions 3X rewards

You will not get any idfc reward points for fuel purchases, EMI payments, cash withdrawals, and transactions related to property management services. 1 reward point = Rs.0.25.

  • Make your travel comfortable with complimentary lounge access:

Using this idfc first bank card you can get up to 4 free quarterly accesses to domestic airport lounges. You will also get 4 quarterly access to domestic railway lounges.

  • Experience exclusive deals on dining expenses:

This idfc credit card offers upto a 20% discount at more than 1500 frontline restaurants in India.

  • Get freedom from fuel surcharges:

If you use this idfc credit card fuel purchase, you will get up to a Rs.300 monthly fuel surcharge waiver. You can get this idfc first bank credit card offer at any fuel station in India.

  • Make your evenings entertaining with exclusive deals on movie tickets:

If you use this IDFC select credit card to book a movie ticket from the Paytm mobile app, you will get up to Rs.250 discount on the booking value. You can get this idfc movie offer two times an idfc credit card statement cycle.

  • Enjoy exclusive deals on lifestyle categories:

Your idfc first bank select credit card features a 15% discount at more than 3000 Health & Wellness stores across India.

  • Complimentary lost card liability coverage to stand for you:

This idfc bank credit card offers a Rs.50,000 coverage against lost or stolen cards. So, if your card ever gets lost or stolen, you just have to report it by calling the idfc first bank customer service number and you will no longer be liable for anything bad that may happen to your credit card account. You can also block your missing card from the idfc credit card net banking account.

  • Complimentary insurance coverage to stand for you:

With the complimentary insurance coverage, your idfc first card can stand for you in case of unfortunate events.


Total coverage amount
Personal accidental coverage Rs.5 lakh
Air accidental death coverage Rs.1 Cr.
Emergency roadside assistance Rs.1,399

To keep the idfc insurance coverage active, you just have to keep using your idfc bank credit card regularly.

  • Enjoy the convenience of a contactless payment facility:

This idfc credit card is equipped with an advanced contactless payment facility. This feature allows you to make payments just by placing your card over any contactless-enabled POS machine. You can also control the credit card contactless payment feature from your net banking account, you can click here to go to the idfc credit card login page.

What are the idfc bank credit card charges?


Total coverage amount

Cash withdrawal charges Rs. 250 per withdrawal
Finance Charge The idfc credit card interest rate ranges between 0.75% to 3.5% monthly (Applicable if the idfc credit card payment is not made within the due date)
Foreign currency transaction fee  1.99% against the transaction amount
IDFC credit card add on card fee None

How to contact the idfc first credit card customer service department?

  • Call the idfc bank credit card customer care number: 1860-500-1111
  • Write to the idfc first bank complaint mail id:

100xGain Ratings: 


Pros and cons of the idfc first select credit card:



  • Using this select card you can get access to most of the domestic airport lounges.
  • There is a handsome discount on dining expenses.
  • Also, this idfc first bank credit card offers some exclusive deals on movie ticket booking.
  • You will not get any travel booking benefit from this idfc first bank first select credit card.

Final Opinion:

As evident from the above idfc credit card review, the IDFC first select card is a low-cost premium card that comes with no joining or annual fees. You will get to enjoy free airport and railway lounge access, attractive discounts on movies and dining, an attractive monthly waiver on fuel surcharges, and lots more. 

But if you are looking for a more premium option then feel free to take a look at our top premium credit cards page. You can also compare the alternative card options given below.

Alternative of IDFC First Bank First Select Credit Cards:

  1. Axis privilege credit card (Best for lounge access and dining benefits) 
  2. ICICI emeralde credit card (Best for lounge access and dining benefits)
  3. IDFC millennia credit card (Best for reward points and dining benefits) 
  4. Yes first business credit card (Best for lounge access and golf benefits) 


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