IDFC FIRST Select Credit Card

A premium Lifetime Free credit card that offers buy-one-get-one movie tickets and railway lounge access. It features dynamic interest rates starting from 9% based on your credit profile.

Annual Fee

Free

Reward Rate

10X Rewards on Birthday

Credit Score

New to Credit

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Key Benefits

Lifetime Free Credit Card - No joining or annual fees ever.
10X Reward Points on your birthday and on incremental spends above ₹20,000/month.
Buy 1 Get 1 Free on movie tickets via Paytm mobile app.
4 complimentary domestic airport lounge visits per quarter.

Lounge Access

Domestic4 /yr

International0 /yr

Travel Insurance

Contact bank for details.

Fees & APR

annual fee

₹0 (Lifetime Free)

late payment fee

15% of Total Amount Due

interest free period

Up to 48 days

foreign transaction fee

1.99% + GST (Low Forex Markup)

Interest Rate (APR)

9% - 42%

EligibilityMin Income: Check Bank