IDFC FIRST Select Credit Card
•••• •••• •••• 4242
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Quick facts
IDFC FIRST Select Credit Card
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IDFC FIRST Select Credit Card
Zero forex markup
Great for international spenders.
Key Benefits
Annual fee
Free
Top rate
3X reward points
Min income
₹30,000/mo
Eff. return
0.5%
Realistic net value (moderate user): ₹2,400/year
After ₹0 fee. Based on ₹40,000/mo spend.
12,400 users matched · Verified 2026-06-12
We earn commission if approved — at no cost to you. Zero sales calls.
Our transparency promise
✓ Reward caps shown in absolute ₹ — not just "5% cashback"
✓ Exclusions listed upfront — fuel, EMI, rent, wallet
✓ Point conversions with conservative ₹/point rates
What You Actually Earn (in ₹)
Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.
Gross rewards / year
₹2,400
Before fees & forex
Costs / year
₹0
Fee ₹0
Net value / year
₹2,400
0.5% effective return on spend
Category-wise breakdown
All other eligible spends
Spend ₹40,000/mo · 3 pts per ₹150 spend
₹2,400/year
₹200/mo
800 pts × ₹0.25 = ₹200/mo800 pts/mo @ ₹0.25/ptEstimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Points → INR Conversion Guide
Marketing says "10X points" — here's what that actually means in your pocket.
all — 3 pts per ₹150 spend
You spend
₹10,000
You earn
200 pts
Worth ≈
₹50
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Airport lounge, golf, concierge perks
Reward Structure
Source: IDFC FIRST Select T&Cs
All spends
3X reward points
Forex markup
0%
Example: ₹10,000/mo spend → ≈ ₹0/mo
Lounge
Domestic lounge access
Excluded categories (no rewards)
Lounge
Domestic lounge
Forex markup
0%
Best for
- → Lifetime free + lounge
- → International spenders
- → Zero forex
Fees & Charges — Full Disclosure
All amounts in INR. Everything that can reduce your net value.
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
0%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user net math
Eligibility Snapshot
Public criteria from IDFC FIRST Select T&Cs. Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with IDFC FIRST Select Credit Card?+
At moderate spend (₹40,000/mo), gross rewards are about ₹2,400/year. After the ₹0 annual fee, net value is approximately ₹2,400/year. Use the calculator above to model your own spends.
What is the minimum income for IDFC FIRST Select Credit Card?+
₹30,000/month for salaried applicants (indicative — bank decides).
What spends do NOT earn rewards?+
EMI, Rent.
Does CardHungry pull my CIBIL score?+
No. We use public eligibility criteria only. The bank will check CIBIL when you apply.
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