In today’s world, where every swipe matters, having a credit card that not only simplifies transactions but also rewards your lifestyle is a must. The IDFC FIRST Select Credit Card is one such option that blends premium features, smart rewards, and zero annual fees into a powerful financial tool.
If you’re someone who loves traveling, shopping, dining out, or simply wants more value from every spend, this credit card deserves a spot in your wallet. In this article, we’ll break down its features, benefits, reward structure, and why it stands out from the competition.
What Is the IDFC FIRST Select Credit Card?
The IDFC FIRST Select Credit Card is a lifetime free credit card designed for individuals who want a well-rounded card with premium features. It’s issued by IDFC FIRST Bank, a rising player in India’s financial space, and is built around three things: no annual fee, rewarding everyday spends, and exclusive lifestyle privileges.
Whether you’re spending online, offline, or booking a trip, this card ensures you earn back a portion of your money in the form of reward points and partner offers.
Key Features at a Glance
- Lifetime Free – No joining or annual fee ever
- 6X to 10X Reward Points on select spending categories
- Complimentary Railway Lounge Access
- Buy One Get One Free Movie Tickets on Paytm
- Fuel Surcharge Waiver at all fuel stations
- Low APR (Annual Percentage Rate) starting from 9%
- In-app Card Controls for enhanced security
- Zero Lost Card Liability if reported promptly
This card is a great fit for salaried professionals, freelancers, and entrepreneurs looking to maximize their regular spending.
Reward Points Structure
One of the best parts of the IDFC FIRST Select Credit Card is its generous rewards program. Here’s how it works:
| Type of Spend | Reward Points per ₹100 |
|---|---|
| Online spends | 6 points |
| Offline retail spends | 3 points |
| Spends above ₹20,000/month | 10 points |
| Birthday spends | 10 points |
1 Reward Point = ₹0.25 when redeemed for online shopping, vouchers, or bill payments.
There’s no cap on reward points, and they never expire, giving you more flexibility to redeem them whenever you want.
How to Redeem Reward Points
You can easily redeem your accumulated points via the IDFC FIRST Bank app:
- Open the IDFC FIRST Bank mobile app
- Tap on “Rewards” section
- Browse available categories (vouchers, products, bill payments)
- Select your reward and redeem instantly
The process is fast, transparent, and user-friendly. No hidden charges or confusing conversions.
Travel & Lifestyle Benefits
This card also packs several perks that go beyond just shopping:
- Railway Lounge Access: Enjoy 4 complimentary visits per quarter at major railway lounges across India
- Movie Offers: Get BOGO (Buy One Get One) free movie tickets every month on Paytm (up to ₹250)
- Fuel Surcharge Waiver: Save 1% on fuel spends (maximum waiver ₹200/month)
- Concierge Assistance: 24×7 concierge services for booking tickets, events, and dining
Security and Control
The IDFC FIRST Select Credit Card is built with advanced security features:
- Set your card limits instantly via app
- Enable/disable online or contactless usage anytime
- Real-time spend alerts and location-based tracking
- Instant card block and re-issue facility
This makes it one of the safest credit cards available, especially for digital-first users.
Who Should Get This Card?
This credit card is ideal for:
- Urban professionals with high monthly spending
- Frequent online shoppers
- People looking for lifetime free cards with rich benefits
- Individuals who want transparent reward structures
- Users who prefer digital banking and app-based control
If you’re new to credit cards or looking for an upgrade without paying annual fees, the IDFC FIRST Select Card ticks all the right boxes.
Final Thoughts
The IDFC FIRST Select Credit Card proves that you don’t need to pay hefty fees to enjoy premium banking privileges. From unlimited reward points and travel perks to lifestyle benefits and smart security, it’s an excellent card for anyone looking to make the most of their daily spending.
So whether you’re booking your next trip, shopping online, or just grabbing a coffee-this card helps you earn rewards, stay secure, and save money all at once.