FIRST Select Credit Card eligibility: It is simpler than you thought!

Summary: Fulfil simple credit card eligibility criteria, and premium lifestyle privileges can be yours. Do you meet the FIRST Select Credit Card eligibility criteria?

07 Feb 2026 by Team FinFIRST

FIRST Select Credit Card eligibility criteria

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As you move up the corporate ladder, some amount of lifestyle change is inevitable. For example, it is only natural if your dining choices change, and your business travels become more frequent. Another change that happens is that you fulfil a premium credit card eligibility which you didn’t earlier. As Ajay, a Gurgaon-based MNC professional found out.

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A card that matches a premium lifestyle

Ajay has used the same entry-level credit card for seven years now which has served him right so far. He ignored his credit card eligibility for a premium credit card after his first few promotions. However, this time it’s different. He recently got promoted to a mid-management profile. It will mean more business casual lunches with clients, domestic travel, and even the occasional overseas trips.

He saw little value in using his existing credit card and was not impressed with the premium alternatives that his card company offered against his credit card eligibility. Fortunately for Ajay, he stumbled upon the IDFC FIRST Bank Credit Card page, which featured cards for all types of customers. For Ajay, the FIRST Select Credit Card ticked all the right boxes.

FIRST Select Credit Card eligibility criteria

An annual income of ₹12 lacs or more is the main credit card eligibility criteria for FIRST Select Credit Card. Besides, the individual should fulfill the following requirements:

Minimum age requirement: 18 years
Minimum income threshold: ₹12 Lacs per annum
Indian resident
A good credit score

Once these credit card eligibility criteria are met, the card issuance is subject to IDFC FIRST Bank’s internal assessment. This is where your proactive efforts can ensure that you end up owning this credit card.

Maximum privileges ensured

With FIRST Select Credit Card, you get benefits like -

Rewards - The FIRST Select Credit Card immediately ensured that Ajay accumulated extra credit card reward, every time. There’s a lucrative 3X reward points on both offline and online purchases, that increases to 10X the moment he spends above ₹ 20000 per statement cycle. By the way, it's 10X all day also on your birthday.
Travel privileges - Travels become memorable with FIRST Select Credit Card as you get complimentary domestic airport lounge and railway lounge access every quarter.
Insurance – The FIRST Select Credit Card ensures that you travel safely with ₹ 1 crore accident cover, ₹ 5 lakh accident cover, lost card liability cover, complimentary roadside assistance and travel insurance.

When we talk about FIRST Select Credit Card, these privileges are just a peek at what’s on offer. And yet, the eligibility criteria are much more achievable than you think.

The final measures

Your credit score is the answer to how to improve credit card eligibility. So, make sure you maintain a high credit rating. Feeling confident? It's time to visit the FIRST Select Credit Card application page and apply!

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.