IDFC FIRST Bank

IDFC FIRST Select

VISA

🇮🇳 India · IDFC FIRST Bank

IDFC FIRST Select

Name: IDFC FIRST Select
Brand: IDFC FIRST Bank
Rating: 4.5 (50 reviews)

Lifetime-free with surprisingly strong reward earn rates.

4.5 / 5

Joining fee

₹0

Annual fee

₹0

Top reward

10%

Min income

₹600,000

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5-year value calculator

How much IDFC FIRST Select actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹34,800

Annual feeNo fee

Welcome bonus (year 1 only)+₹15

Cumulative net value

+₹174,015

over 5 years

Year 1

₹34,815

+₹34,815/yr

Year 2

₹69,615

+₹34,800/yr

Year 3

₹104,415

+₹34,800/yr

Year 4

₹139,215

+₹34,800/yr

Year 5

₹174,015

+₹34,800/yr

Year 1 (with bonus)

₹34,815

Year 2+ (steady state)

₹34,800/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

shopping

10%

📈

Everything else

📈

🎁

Welcome bonus

600 reward points on ₹15K spend in first 90 days

What you get

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
Low forex markup: 1.99%

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹600,000

Min credit score

750+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the IDFC FIRST Select

The SaaS subscriptions where IDFC FIRST Select earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹4,29,603/yr.

Top match

Big forex win