IDFC FIRST Bank FIRST Select

Common questions

What is the annual fee on the IDFC FIRST Bank FIRST Select?

The joining fee is ₹0. The annual fee is ₹0. No joining or annual fee, for life

What are the reward rates on the IDFC FIRST Bank FIRST Select?

IDFC FIRST Bank FIRST Select earns 1.5x points on all other spends.

Does the IDFC FIRST Bank FIRST Select offer airport lounge access?

Yes: 8 domestic lounge visits per year (2 complimentary visits per quarter; requires ₹20,000 spend in the preceding calendar month).

Who is eligible for the IDFC FIRST Bank FIRST Select?

Applicants typically need a minimum annual income of ₹12,00,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by IDFC FIRST Bank and can vary by application.

Is the IDFC FIRST Bank FIRST Select available on other networks?

Yes, it's also issued on Mastercard. IDFC FIRST issues FIRST Select on both Visa and Mastercard; customers choose their preferred network at application time. Fees, eligibility, reward rate, and lounge access are the same across both networks — this variant differs only in network branding and acceptance (Mastercard's global network in place of Visa's), with no confirmed difference in insurance cover or forex markup.