IDFC FIRST Wealth vs IDFC FIRST Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Select wins 3-2. Lifetime-free with surprisingly strong reward earn rates. IDFC FIRST Wealth is still the right call if lifetime-free premium — best zero-fee card in india..
Side-by-side
| Criterion | IDFC FIRST Wealth | IDFC FIRST Select |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (general) | 10% (shopping) |
| Base reward rate | = 3% | = 3% |
| Forex markup | 1.5% | · 1.99% |
| Welcome bonus | = 5,000 reward points on first 90-day spend | = 600 reward points on ₹15K spend in first 90 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | · 770 | 750 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
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
FAQ
›IDFC FIRST Wealth vs IDFC FIRST Select: which is better?
IDFC FIRST Select wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use IDFC FIRST Wealth for its best categories, IDFC FIRST Select for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IDFC FIRST Wealth: 5,000 reward points on first 90-day spend. IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days.