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

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.

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:

1. Minimum age requirement: 18 years
2. Minimum income threshold: ₹12 Lacs per annum
3. Indian resident
4. 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 more reward points, 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 on your birthday.
• Discounts and offers - Using FIRST Select Credit Card unlocks discounts of up to 20% in more than 1500 restaurants, and up to 15% discount in over 3000 health and wellness outlets. Over 300 merchant offers are running throughout the year and Buy-1-Get-1 movie ticket offers twice a month.
• Travel privileges - Travels become memorable with FIRST Select Credit Card as you get two complimentary domestic airport lounge and railway lounge access every quarter. There are discounts on Fast Track immigration service, airport limousine service and complimentary services in over 900 luxury hotels across the world and concierge services.
• 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.