IDFC FIRST BankIDFC FIRST Select Credit Card
The IDFC FIRST Select Credit Card is a lifetime-free mid-tier card offering 6X FIRST Coins per ₹150 on select categories (dining, travel, entertainment, international) and 3X on all other online transactions.
Top Category Performance
RuPay UPI Scan & Pay (88/100)
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.12 – 1.25
Forex Markup
1.99%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
20/35
Fee Value & ROI
25/25
Lounge & Perks
11/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
IDFC FIRST Select Credit Card Benefits
IDFC FIRST Select Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.12% – 1.25%
Earn rate
0.5
Points / ₹100
₹0.25
Per point
IDFC FIRST Select Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
IDFC FIRST Select Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- education
- rental and property management
- fuel
- EMI transactions
- cash withdrawals
- wallet load
- utility bill payments for some reward tiers
- insurance payments for some reward tiers
- railway spends for 10X milestone
- government services
Card Features
🎉 Zero Annual Fee — 100% Net Profit
IDFC FIRST Select Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IDFC FIRST Select Credit Card Eligibility
Employment type
Pros & Cons
- Complimentary domestic airport lounge access
- Complimentary railway lounge visits
- Low forex markup
- Never-expiring reward points
- 10X rewards on select spends
- 1% fuel surcharge waiver
- Movie ticket offers
- Travel insurance cover
- Trip cancellation cover
- UPI support
- 6X only on select merchant categories
- No international lounge access
Who is this card for?
Urban professionals spending ₹20,000–₹50,000/month who want accelerated rewards on dining, travel, and entertainment with lounge access — all at zero annual fee.
Quick Links
Data last updated 6 Aug 2026
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More from IDFC FIRST Bank
Calculate your exact earnings with IDFC FIRST Select Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.