Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

1.99% + GST

INTERNATIONAL

IDFC FIRST Bank

Lifestyle

Rewards

Travel

Best For: Lifestyle spenders seeking premium benefits with no annual fee, Frequent domestic travelers, Those who spend above ₹20,000 per month to maximize 10X rewards

FIRST Select

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹20,000 /statement_cycle

Pros

Lifetime free - no joining or annual fee
10X never-expiring reward points
Low forex markup of 1.99%
Complimentary airport and railway lounge access
Comprehensive insurance coverage
Buy-1-Get-1 movie ticket offer
1% fuel surcharge waiver
Interest-free cash withdrawals up to 45 days

Cons

Airport lounge access requires ₹20,000 spend in current month
Railway lounge access also requires ₹20,000 spend in current month
Reward redemption attracts ₹99 + GST convenience charge per redemption
No rewards on fuel, EMI transactions and cash withdrawals

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Lounge access is conditional on ₹20,000 spend in the prior calendar month

Reward program not applicable on Fuel, EMI transactions, Cash withdrawals, Rental & Property Management, Government Services, Education, Wallet Load, FASTag Recharges and Railway Spends for 10X milestone counting

Reward redemption fee of ₹99 + GST per redemption

Welcome gift voucher excludes UPI, add-on card transactions, wallet load, EMI converted transactions and ATM cash withdrawals

Key Benefits & Features

Over 300+ merchant offers across dining, shopping, travel and more

33% bonus reward points on hotel bookings and 13% bonus reward points on flight bookings via FIRST Rewards Gallery

Eligibility Criteria

Min. Annual Income

₹12.0 Lakhs

Occupation

SALARIED

Notable Exclusions

No reward points on Fuel transactionsNo reward points on EMI transactionsNo reward points on Cash withdrawalsRental & Property Management, Government Services, Education, Wallet Load, Utility, Insurance, FASTag Recharges and Railway Spends do not count towards 10X spends milestone

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About FIRST Select

The IDFC FIRST Select Credit Card is a lifetime-free premium card designed for individuals who seek a balance of premium privileges and everyday rewards without paying any joining or annual fees. Built for lifestyle spenders and frequent travelers, this card delivers exceptional value through its 10X reward points that never expire, ensuring every rupee spent continues to work in the cardholder's favor. Travel benefits form a core part of the FIRST Select experience. Cardholders enjoy 2 complimentary domestic airport lounge visits per quarter, 4 complimentary railway lounge visits per quarter, a low forex markup of just 1.99% on international transactions, and free trip cancellation cover of up to ₹10,000. Additional travel perks include airport meet-and-greet discounts, transfer discounts, and access to a 24/7 travel concierge. Beyond travel, the card offers compelling lifestyle benefits such as Buy-1-Get-1 movie ticket offers via District by Zomato, a 1% fuel surcharge waiver, over 300 merchant offers, and complimentary golf rounds and lessons. Comprehensive insurance coverage including air accident cover of ₹1 crore, personal accident cover of ₹5,00,000, and lost card liability cover of ₹50,000 adds further security. New cardholders are also welcomed with a ₹500 gift voucher and up to ₹1,000 cashback on their first EMI transaction.

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