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
Joining Fee
Free
Base Reward Rate
1X
₹0.25/pt
Min CIBIL
650
₹3L+ income
Key Features
Welcome Benefits
Lifetime Free Card
Zero joining fee and zero annual fee — forever, no conditions
1,000 Bonus Reward Points on First Spend
Earn 1,000 welcome reward points on first transaction within 90 days
Reward Rates by Category
Dining
2X
Travel
2X
Online
3X
Shopping
1X
Grocery
1X
Fuel
1X
Utilities
1X
Other
1X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| All Online Merchants | Online | 10X |
| All Offline Merchants | Offline | 5X |
| Birthday Spends | All | 10X |
Milestone Benefits
500 Bonus Reward Points
Earn 500 bonus points on reaching ₹15,000 monthly spend milestone
First Month
Airport Lounge Access
Domestic
4 visits/year
International
0 visits/year
Insurance & Protection
Air Accident Cover
Travel booked on card
Personal Accident Cover
Accidental death cover
Zero Liability
Report loss promptly
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
Statement credit
Frequently Asked Questions
Is IDFC FIRST Select lifetime free?+
What earn rate?+
Lounge access?+
How is Select different from Wealth?+
Points expire?+
Ready to apply?
Apply on the IDFC FIRST Bank website. Usually takes 10 minutes.
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IDFC FIRST Select
Free · 1X rewards
We may earn a commission if you apply via our link — no extra cost to you.
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