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 10% on shopping and 3% on everything else. 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.
600 reward points on ₹15K spend in first 90 days
What do you get with the IDFC FIRST Select?
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free, no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 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 10% on shopping and 3% on everything else.
›What income do you need for the IDFC FIRST Select?
The stated minimum income is ₹6,00,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the IDFC FIRST Select welcome bonus?
600 reward points on ₹15K spend in first 90 days.
›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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