IDFC FIRST Select
IDFC FIRST Bank · Visa
IDFC FIRST Select is a zero annual fee card with domestic lounge access and 3X online rewards.
Annual Fee
Free
Base Reward Rate
1X
Point Value
₹0.25/pt
Min CIBIL
650
Lounge Access
Domestic
4/year
International
0/year
Reward Rates by Category
Dining
2X
Travel
2X
Shopping
1X
Online
3X
Grocery
1X
Fuel
1X
Utilities
1X
Other
1X
Pros
- ZERO annual fee forever
- 4 domestic lounge visits/year
- 3X on online spends
- Low interest rate from 9%
- Fuel surcharge waiver
Cons
- No international lounge
- Average reward rate
- Limited transfer partners
Redemption Options
Shopping vouchers
Standard₹0.25/pt
Statement credit
Low₹0.2/pt
Ready to Apply?
Apply directly on the IDFC FIRST Bank website. Takes about 10 minutes.
