IDFC FIRST Bank
IDFC FIRST Select Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
0.12% – 1.25%
Forex Markup
1.99%
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Key Benefits
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
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.
Travel & Lounge Access
Airport perks included with this card
1 per quarter
Domestic 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026