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Premium Decision Grade Catalog
IDFC FIRST BANK LTD
IDFC FIRST Select Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Mid-tier travel and lifestyle credit card offering lounge access, enhanced rewards, and premium lifestyle benefits for higher-income professionals
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
For evolving lifestyle needs
Highlight 2
10X rewards on spends ≥ ₹20k monthly
Highlight 3
8X rewards on purchases < ₹20k monthly
Highlight 4
2 domestic airport lounge visits quarterly
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
"8/year"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"8 complimentary domestic airport lounge visits per year; 2 complimentary international lounge visits"
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
"Income proof ₹18L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Good mid-tier rewards card with valuable milestone benefits for spends above ₹20,000 monthly. The domestic lounge access adds travel value despite no fee in first year. The high spends required for fee waiver (₹1.5 lakh) may be challenging for average users."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Club Marriott membership and ₹5,000 Taj voucher on spending ₹1.5 lakh in first 90 days
- Base Rate: 1 reward point per ₹150 spent on other categories
- Accelerated Rewards Program: 2.5 6E Rewards per ₹100 on flight bookings on IndiGo App/Website
- 2 6E Rewards per ₹100 on Grocery, Dining & Entertainment (Grocery capping of 2000 RP in a month from April 1, 2023)
Cons
- RP to Rupees: 1pt=₹0.50
- Domestic Airport: 8/year
- Movie/Entertainment: Combo offers
- Lifestyle and Fashion: Retail partnerships
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