IDFC FIRST Select
Lifetime-free with surprisingly strong reward earn rates.
External link to IDFC FIRST Bank’s own application page.
The IDFC FIRST Select has no annual fee. It earns 3% on all spends. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much IDFC FIRST Select actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
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.
What does the IDFC FIRST Select earn?
What you earn back, by category.
₹500 gift voucher on ₹5,000 spend within 30 days of card generation
What do you get with the IDFC FIRST Select?
- 10X reward points on dining and travel
- 3X reward points on other eligible spends
- Lifetime free, no annual fee, ever
- 1 domestic airport lounge visit per quarter, unlocked by ₹20,000 spend in the previous calendar month (no international lounge access)
- Zero forex markup on international transactions
- 1% fuel surcharge waiver
Who qualifies for the IDFC FIRST Select?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
IDFC FIRST Select FAQ
›What is the IDFC FIRST Select annual fee?
The IDFC FIRST Select has no annual fee.
›What does the IDFC FIRST Select earn?
It earns 3% on all spends.
›What is the IDFC FIRST Select forex markup?
The IDFC FIRST Select charges 0% forex markup on foreign-currency spends.
›What income do you need for the IDFC FIRST Select?
The stated minimum income is ₹12,00,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the IDFC FIRST Select welcome bonus?
₹500 gift voucher on ₹5,000 spend within 30 days of card generation.
›Are these IDFC FIRST Select figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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