IDFC FIRST Select Credit Card 2025
Save up to ₹25,000+ every year on travel, dining, movies, fuel & daily spends with unlimited rewards!
If you want a premium credit card with no fees and great rewards on everything, the IDFC FIRST Select Credit Card is perfect for you!
You get 10X reward points on spends up to ₹20,000/month (then 3X), 4 domestic airport + 4 railway lounge visits every quarter, buy 1 get 1 free movie tickets (up to ₹250, twice/month), 1% fuel surcharge waiver up to ₹500/month, low 1.99% forex markup, and it's 100% Lifetime Free – no joining or annual fees ever!
Reward points never expire and redeem at 1 point = ₹0.25 for cashback/vouchers – simple and flexible!
Why This Is The Best Lifetime Free Premium Card in 2025?
10X points up to ₹20K/month (up to 6.67% return) • 4+4 lounges/quarter • BOGO movies twice/month • 1% fuel waiver • 1.99% forex • Points never expire • No fees forever.
Best for: Frequent travelers, movie lovers, high spenders wanting premium perks without fees
Lifetime Free Forever – No Joining Fee, No Annual Fee, No Conditions
Card At a Glance
₹0 (Lifetime Free)
₹0 (Lifetime Free)
10X up to ₹20K/month | 3X after
Points (1 pt = ₹0.25 cashback)
4 Airport + 4 Railway/Quarter
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Welcome Benefit | None (but instant rewards start) |
| Rewards Redemption Fee | ₹99 per redemption |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 9% – 42% per annum (low end) |
| Fuel Surcharge Waiver | 1% (₹200–₹5,000 txn, max ₹500/month) |
| Cash Advance Fee | 2.5% or ₹500 (whichever higher) |
Detailed Reward Rates (2025)
- 10X Reward Points (20 points per ₹150) on all spends up to ₹20,000/month (6.67% return)
- 3X Reward Points (6 points per ₹150) on spends above ₹20,000/month
- 1 point = ₹0.25 for cashback, vouchers, or statement credit
- Rewards on utilities, rent, education, insurance (unlike most cards)
- No rewards on fuel & EMI transactions
- Points never expire
Lounge Access (2025 Rules)
Airport Lounges: 4 complimentary domestic visits per quarter
Railway Lounges: 4 complimentary visits per quarter (spend ₹20,000 in current month for next month access, effective Feb 2025)
For cardholder + add-on cards
Popular spots: Delhi, Mumbai, Bangalore airports; major railway stations like New Delhi, Chennai.
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹15 Lakh emergency hospitalization abroad
- Zero liability on lost card
- Personal accident cover up to ₹50 Lakh
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 100% Lifetime Free – no fees ever | ₹99 redemption fee per transaction |
| 10X rewards up to ₹20K/month (6.67% return) | No rewards on fuel/EMI |
| 4+4 lounges/quarter + BOGO movies | Railway lounges need ₹20K spend (from Feb 2025) |
| Low 1.99% forex markup | High interest (up to 42% if not paid full) |
| Points never expire + rewards on rent/utilities | Lower rewards above ₹20K (3X) |
| 1% fuel waiver + travel insurance |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Annual Income: ₹12 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit IDFC FIRST Bank website and select Select Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹20,000–₹50,000 monthly on travel, dining & daily needs, this card gives ₹15,000–₹25,000 value yearly with lounges, movies & low forex – all free forever. Best Lifetime Free premium card for all-round rewards. Highly recommended for mid-high spenders!
Frequently Asked Questions (FAQs)
Is it really Lifetime Free?
Yes, no joining, annual or renewal fees ever.
Do points expire?
No, reward points never expire.
How to get lounge access?
4 airport + 4 railway/quarter; railway needs ₹20K spend from Feb 2025.
What is BOGO movies?
Buy 1 Get 1 free on Paytm (up to ₹250, twice/month).
Any exclusions?
No rewards on fuel/EMI; 1% fee on education via third-party apps from Feb 2025.