IDFC First Select Credit Card Review
Travel card with lounge access
The IDFC First Select is lifetime free (no joining or annual fee). It earns 0.38% back on regular spends and up to 0.12% on Insurance, with 4 domestic airport lounge visits a year. Best for: lifetime-free lounge and insurance benefits — our verdict: recommended.
We may earn a commission if you apply through this link. It never affects our ratings.
The IDFC First Select is a solid lifetime-free card that punches above its zero cost with lounge access, robust travel insurance and a low 1.99% forex markup. The catch is a 0.25/point value that limits even the 10X rate to roughly 1.25% back.
Travel card with lounge access
The Bottom Line
The IDFC First Select is built for no-fee first card seeker and occasional traveller. With no annual fee, it offers 1.25% rewards on other and a welcome benefit worth ₹500. It makes the most sense if your spending matches no-fee first card seeker and occasional traveller.
It earns a base reward rate of 0.38% and stacks best when your spending lines up with No-fee first card seeker, Occasional traveller.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealAnyone wanting a genuinely lifetime-free card with lounge access, travel insurance and low 1.99% forex for the rare trip.
Users who value 4 domestic lounges and railway lounge access without paying any fee.
Probably not for
SkipThe 0.25/point value keeps returns modest (~1.25% even at 10X), so points-focused users will earn more elsewhere.
Fuel earns nothing and high FASTag/railway spends attract 1% fees with no accelerated rewards.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Sign in for personalized estimates based on your actual spending
Reward Rates
IDFC First Select offers 0.38% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
₹500 gift voucher on spending ₹5,000 within the first 30 days of card issuance. Additionally, 5% cashback (up to ₹1,000) on the first EMI transaction done within 30 days of card generation.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Age 21+; annual income ₹12L+; CIBIL 750+; lifetime free card with lounge access and low 1.99% forex markup.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- Does not earn Reward Points.
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDFC First Bank website.
Apply on IDFC First Bank →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category