LIC IDFC FIRST Select Credit Card
IDFC FIRST Bank
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Add-on cardholders minimum 18 years; employed applicants need 3 months' salary slips or bank statements (aggregator-sourced).
Resident Indian only
Sources disagree: Official page's LIC-family meta-description references 1.99% forex generally, vs MyMoneyMantra's Select-specific 3.5% figure — unresolved discrepancy.
Lounge access
8 domestic / 0 international / 16 railway visits per year
Stated as an "up to" cap, not a guaranteed count.
Domestic: 2 complimentary visits per quarter, gated by minimum Rs 5,000 monthly spend
International: not found/not offered
Reward details
5X reward points on other spending
- 10X reward points on LIC insurance premium payments via official LIC website
- 5X reward points on Groceries, utilities, education, railways, government transactions — Rs 300/month
Category caps
- Groceries/utilities/education/railways/govt: Rs 300/month
Redemption
Ratio: 1 point = Rs 0.25; points valid 3 years from earning date
Real-world feedback
Not found — no customer testimonials or sentiment commentary were available in this fetch.
Sources
- Official — LIC card family generally, not Select-specific detail (JS-rendered)
- Aggregator — detailed the Classic variant rather than Select
- Aggregator — fees, eligibility, lounge, rewards, forex