IDFC FIRST Bank
IDFC FIRST Select Credit Card
Data Verified
Last checked: 25 Feb 2026Best for those who want a premium card experience — lounge access, zero forex, accelerated rewards — without paying any fee.
A lifetime-free premium card offering 5X reward points on all online spends and 1X on offline. Zero annual fee, zero joining fee, 6 complimentary lounge visits annually, and no forex markup.
ShoppingOnlineRewardsTravelForex
Annual Fee
FREE
Lifetime Free — no annual or renewal fee
Cashback
1%
Headline Rate
Forex Markup
0%
Standard Rate
Expert Verdict
"IDFC FIRST Select is the best lifetime-free "premium" card in India. You get lounge access, zero forex markup, and 5X online rewards — all for ₹0 forever. No spending conditions, no hidden fees. It's the card that proves you don't need to pay ₹5,000+ for a good card. Verdict: India's best zero-fee rewards card."
Key Privileges
Welcome BenefitInstant approval with digital KYC
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹4 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score720
- Min. Income₹4 lakh per annum
- EmploymentSalaried/Self