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Here’s how to get quick approval on your FIRST Select Credit Card application

Key Takeaways

The benefits of the FIRST Select Credit Card include accelerated reward points, no joining or annual fee, and attractive privileges.
Know the eligibility criteria and keep the documents handy to apply for the card.
Common causes of decline include not meeting the minimum income criteria, mismatched details, incorrect documentation, low credit score, etc.
Provide your details correctly, have a healthy credit score, and submit all documents to get approved quickly.

07 Feb 2026 by Team FinFIRST

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Looking for a lifetime-free card which does not compromise on the benefits?

The FIRST Select Credit Card by IDFC FIRST Bank may be the right choice. With a host of benefits on travel and lifestyle, complete with complimentary lounge access, insurance coverage and more, this is a card that offers premium value without the premium cost.

But how do you ensure your application gets approved quickly and without any hiccups? Let’s walk you through what you need to know.

Get the coolest offers on movie tickets with FIRST Select Credit Card

Best credit card for lounge access: Elevate your travel with luxurious perks

Why choose the FIRST Select Credit Card?

Before we dive into how to get your application approved quickly, let’s talk about thebenefits of the FIRST Select Credit Card that make it worth considering. Designed for individuals who expect more from their credit card (without paying extra for it), this lifetime-free card combines everyday savings with exceptional perks across travel, lifestyle, and shopping.

Here’s how:

Low Annual Percentage Rates (APRs) starting at just 8.5% per annum
Instant Equated Monthly Instalment (EMI) conversions on eligible transactions
Interest-free cash withdrawals for up to 45 days at a flat fee of ₹199 + GST
₹500 gift voucher from your choice of brands, like Amazon, BigBasket, Uber or Lifestyle, on spending ₹5,000 or more within 30 days of card generation
5% cashback of up to ₹1,000 on your first EMI conversion within the first 30 days of card generation
Complimentary visits to domestic airport lounges every quarter
Low forex markup fee at just 1.99%
Free trip cancellation coverage of up to ₹10,000
Four complimentary visits to lounges at Indian railway terminals every quarter
Buy-one-get-one discount of up to ₹125 on the District by Zomato mobile app (valid twice per month)
1% fuel surcharge waiver up to ₹300 in a statement cycle at all fuel stations across India on transactions between ₹200 and ₹5,000
3X reward points on spends till ₹20,000 and 10X points on incremental spends above ₹20,000 as well as those done on your birthday
Earn 50X Bonus Reward Points on hotel bookings and 20X Bonus Reward Points on flight bookings, over and above your usual Credit Card Reward Points done via the 'Travel and Shop' section of the IDFC FIRST Bank Mobile Banking App
300+ merchant offers across dining, shopping, travel and more, all year long
Air accident coverage of ₹1 crore
Personal accident coverage of ₹5,00,000
Lost card liability cover of ₹50,000
Comprehensive travel insurance coverage up to USD 300
24X7 complimentary roadside assistance worth ₹1,399

With so many features packed into one card and zero annual fee, you might be wondering how to get your hands on it fast. The good news? Getting approved is easier than you think, especially when you know what steps to follow.

How to get a FIRST Select Credit Card: The eligibility criteria

Let’s start with the basics: who can apply?

The FIRST Select Credit Card is designed for individuals with a consistent financial track record and a strong credit profile. You’re eligible if you earn ₹12 lakh or more annually. Moreover, a good credit score along with a steady income source strengthens your chances of quick approval.

Document checklist for the FIRST Select Credit Card

Applying for the FIRST Select Credit Card online is quick and convenient, but to make the process even faster, it helps to keep your paperwork ready. While exact requirements may vary, you’ll generally be asked to upload the following:

Proof of identity, such as your PAN Card, Aadhaar Card, or Voter ID
Proof of address, which is often the same as above, depending on the document
Proof of income, like salary slips, bank statements, or recent ITR filings

Keeping these documents handy can help avoid back-and-forth and speed up your approval process.

Credit card application declined? Here’s why (and what to do about it)

Even if you meet the eligibility criteria of the FIRST Select Credit Card and have your documents in place, credit card approvals aren’t always guaranteed. A few common missteps can still lead to a rejection.

Here’s what they are, and how to avoid them:

Cause of decline	Reason	What to do?
Income does not meet the eligibility criteria	If your income is below the required limit or shows inconsistency, it may be seen as risky	Aim to show steady income, either by supplementing it or stabilising your job/business
Low credit score	A low score reflects past credit issues or delayed repayments, affecting your credibility	Try to maintain a credit score of 700+ by paying bills on time and lowering credit utilisation
Rejection history	If you’ve been denied a card recently, it may signal unresolved credit issues	Give it a few months, improve your credit profile, and apply again with stronger financials
Incomplete documents or a mismatch in information	Missing paperwork or incorrect details can hold up or derail your application	Double-check your application and upload accurate, updated documents to avoid delays

7 Additional tips for quick approvals

You’ve ticked the major boxes — eligibility, documents, and common pitfalls. Now it’s time to fine-tune the final steps to make sure your application sails through without delay.

Here are some practical tips to fast-track your approval:

Review your application form carefully to avoid typos or factual errors
Upload clear, legible copies of all required documents
Use the most recent proofs for income, address, and identity
Self-attest your documents where needed to speed up verification
Ensure your credit report is up to date and error-free before applying
Avoid applying for multiple credit cards at the same time
Keep track of your application status online and respond promptly to any queries

Plan smart, apply faster

The path to getting your FIRST Select Credit Card doesn't have to be long or complicated. By understanding the eligibility, preparing your documents in advance, and avoiding common mistakes, you’re already one step ahead. Add in a few smart application tips, and you could be holding your new credit card in just a few days.

Ready to experience premium benefits with zero annual fees? Apply for the FIRST Select Credit Card today and enjoy rewards, lounge access, cashback, and more, without the wait.

Frequently Asked Questions

I don’t have a credit score. Can I apply for the FIRST Select Credit Card?

Yes, you can, but approval might be harder. Credit scores help lenders gauge repayment behaviour. You can start with a secured credit card to build your credit history, then apply again with better chances.

Does the FIRST Select Credit Card allow UPI payments?

Yes, you can activate UPI payments on your FIRST Select Credit Card with a small joining and annual fee of ₹199 + GST.

What happens if I get rejected for the FIRST Select Credit Card?

If you get rejected, don’t worry — just find out what went wrong, work on fixing it, and wait a few months before applying again. Credit scores don’t bounce back overnight, so give it a bit of time before you retry with a new application.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.