Head-to-head · 🇮🇳 India
IDFC FIRST Select vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
IDFC FIRST Bank
IDFC FIRST Select
VISA
Wins 3 of 10
IN
IDFC FIRST Bank
IDFC FIRST Wow
VISA
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | IDFC FIRST Select | IDFC FIRST Wow |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (shopping) | · 1% (general) |
| Base reward rate | 3% | · 1% |
| Forex markup | · 1.99% | No FX fee |
| Welcome bonus | = 600 reward points on ₹15K spend in first 90 days | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹600,000 | — |
| Min credit score | · 750 | 600 |
| Editorial rating | 4.5/5 | · 4/5 |
Benefits compared
IDFC FIRST Select
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free — no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 1% fuel surcharge waiver
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›IDFC FIRST Select vs IDFC FIRST Wow: which is better?
It's a true tie — pick the one whose boost categories match your spend. IDFC FIRST Select wins on 3 criteria, IDFC FIRST Wow on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use IDFC FIRST Select for its best categories, IDFC FIRST Wow for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.