IDFC FIRST Select Credit Card

by IDFC FIRST Bank · Updated October 2026

Lifetime free card with airport lounge access and up to 10X rewards.

Best for Free card with lounges · Lifetime free + lounges

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You'll apply on the official IDFC FIRST Bank page. We never ask for your details.

Joining feeFree

Annual feeFree

Fee waiverNot needed

Lounge accessDomestic (spend-based)

UPINo

Key benefits

Up to 10X reward points on higher monthly spends

Domestic airport lounge access (spend-based)

Bonus points on weekend dining

Non-expiring points

Rewards by spend category

Approximate value back on every ₹100 you spend.

Online shopping1.5%

Groceries1.5%

Food delivery & dining1.5%

Travel & flights1.5%

Everything else1.5%

Bills & recharges0.5%

Fuel–

UPI scan & pay–

Pros

Lifetime free with lounges
Points never expire
Good all-rounder

Cons

Higher income needed than Millennia
Lounges need monthly spend
Forex markup applies

Is the IDFC FIRST Select Credit Card worth it?

The IDFC FIRST Select Credit Card is worth it if you spend a lot on online shopping (1.5%) and groceries (1.5%). Since it's lifetime free, every rupee of reward is pure gain, so it's worth keeping even as a backup card. It's less suitable if higher income needed than Millennia.

Featured in: Best Lifetime Free Credit Cards in India

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

Tap "Apply now"You'll be taken to the official IDFC FIRST Bank application page.
Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.

Apply now