FIRST Select Review

The FIRST Select from IDFC First Bank is positioned for lifetime free premium. With an annual fee of ₹0 (lifetime free — no joining or renewal fee ever), it targets applicants with a net monthly income of at least ₹35,000 and a CIBIL score of 720+. Headline rewards are 10x on spends above ₹20K, with 4 dom + 2 intl / qtr of complimentary lounge access.

The FIRST Select is best suited for applicants who prioritise lifetime free premium in their everyday spending. With a minimum income requirement of ₹35,000 per month and a CIBIL threshold of 720, it's accessible to mid-career professionals with a steady salary credit history.

Compare your spending pattern against the reward structure: if lifetime free premium represents 40%+ of your monthly spend, this card typically returns more value than its annual fee within 3–4 months. If your spending is spread evenly across many categories, a flat-rate cashback card may serve you better.

Standard KYC and income documents apply for the FIRST Select:

• Identity & address: PAN card, Aadhaar, recent utility bill or passport.
• Income (salaried): Last 3 months payslips, 3–6 months salary bank statement, latest Form 16.
• Income (self-employed): Last 2 years ITR with computation, business proof, 6–12 months current account statement.
• Credit profile: CIBIL score of 720+ with at least 6 months of active credit history.
• Age: 21–60 years (salaried), 23–65 years (self-employed) at application.

All terms governed by IDFC First Bank's Most Important Terms & Conditions (MITC). RBI's Credit Card Master Direction sets baseline disclosure and grievance norms.