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

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.

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:

1. Low Annual Percentage Rates (APRs) starting at just 8.5% per annum
2. Instant Equated Monthly Instalment (EMI) conversions on eligible transactions
3. Interest-free cash withdrawals for up to 45 days at a flat fee of ₹199 + GST
4. ₹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. 5% cashback of up to ₹1,000 on your first EMI conversion within the first 30 days of card generation
6. Two complimentary visits to domestic airport lounges every quarter
7. Low forex markup fee at just 1.99%
8. Free trip cancellation coverage of up to ₹10,000
9. Four complimentary visits to lounges at Indian railway terminals every quarter
10. Buy-one-get-one discount of up to ₹125 on the District by Zomato mobile app (valid twice per month)
11. 1% fuel surcharge waiver up to ₹300 in a statement cycle at all fuel stations across India on transactions between ₹200 and ₹5,000
12. 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
13. 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
14. 300+ merchant offers across dining, shopping, travel and more, all year long
15. Air accident coverage of ₹1 crore
16. Personal accident coverage of ₹5,00,000
17. Lost card liability cover of ₹50,000
18. Comprehensive travel insurance coverage up to USD 300
19. 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:

1. Proof of identity, such as your PAN Card, Aadhaar Card, or Voter ID
2. Proof of address, which is often the same as above, depending on the document
3. 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:

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:

1. Review your application form carefully to avoid typos or factual errors
2. Upload clear, legible copies of all required documents
3. Use the most recent proofs for income, address, and identity
4. Self-attest your documents where needed to speed up verification
5. Ensure your credit report is up to date and error-free before applying
6. Avoid applying for multiple credit cards at the same time
7. 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.