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IDFC FIRST BANK LTD
IDFC FIRST LIC Select Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Co-branded credit card with LIC offering enhanced rewards on insurance payments, complimentary railway and airport lounge access, and diverse welcome benefits with no annual fee
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Premium offering of LIC cobranded card
Highlight 2
Enhanced benefits for insurance transactions
Highlight 3
Additional lifestyle rewards
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"8 complimentary domestic airport lounge visits per year (max 2 per quarter)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Kisan certificate"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Excellent card for business owners who make significant tax payments and can utilize the 5X rewards on business expenses"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Base Rate: 2 Marriott Bonvoy Points per ₹150 on all other applicable purchases
- RP to Rupees: 1 CV Point = ₹0.50
- Accelerated Rewards Program: 10% cashback on Swiggy
- 5% cashback on e-commerce platforms
Cons
- Welcome Offer: Complimentary Annual Memberships of Swiggy One and Times Prime on spending ₹75,000 within first 90 days
- Movie/Entertainment: Unlimited BMS 1+1
- Dining: Minimum 15% discount on dining at select restaurants
- Lifestyle and Fashion: Amazon vouchers
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Customer Reviews
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