Card Details
FIRST Select
Monzy Score
8.5/ 10
Excellent for lounge-hungry travellers.
Lifetime free, so no fee to earn back; ~2.5% back on top spends.
Card Issuer
IDFC FIRST Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
—
Card Access
Standard
Changes to this card
Earn Points
10pts
/₹200 Above ₹20K/Month
3pts
/₹200 on Education Spends
1pts
/₹200 on Utilities & Insurance
1.99%
Forex Markup
Benefits
8 Domestic Lounge Visits/Year
- 4 Complimentary Domestic Lounge/Quarter
6X Pts on Online Spends up to ₹20K/Mo
- 3X Pts on Offline Spends up to ₹20K/Mo
- 300+ Merchant Offers
Complimentary Insurance Cover
20% Discount at 1,500+ Restaurants
4 Complimentary Railway Lounge/Quarter
1% Fuel Surcharge Waiver All Stations
Bogo Movie Tickets via Paytm, ₹250 max
Roadside Assistance
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, emi, cash withdrawal
Estimated Returns
Monthly spends up to Rs.20,000
3X = 3 RP per Rs.200 (base revised from Rs.150 to Rs.200 effective 18 Jan 2026)
₹113
Incremental monthly spends above Rs.20,000
10X = 10 RP per Rs.200 on incremental spends above Rs.20,000 in a billing cycle; also on birthday spends
₹0
Insurance, utility, railway & FASTag
1X = 1 RP per Rs.200 on insurance, utility, railway and FASTag spends
₹0
Total Annual Return
₹1,350
0.38% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“Thoughts on IDFC First Bank select/wealth savings account?”
by r/CreditCardsIndia, Jul 2025
“Should I get the IDFC First Select Credit Card”
by r/CreditCardsIndia, Mar 2026
“IDFC First Select Account Upgrade - Which card they offer?”
by r/CreditCardsIndia, Jan 2026
“IDFC First select account maintainaning 3L”
by r/IndianCreditCards, Apr 2026
“Idfc first select credit card revised reward points.”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The FIRST Select is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because IDFC FIRST Bank prices some variants differently.
RECENT CHANGES
Terms were revised recently — verify current fee, reward and exclusion terms before you apply.
