IDFC FIRST Bank

VISA

FIRST Select

IDFC FIRST Bank FIRST Select

Lifetime-free card with airport lounge access, reward points that don't expire, and a low 1.99% forex markup.

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Last reviewed 13 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: No joining or annual fee, for life

Eligibility

Min. CIBIL Score: 750+

Age: 21–65 yrs

Employment: salaried, self employed, business owner

Rewards

all other1.5x points

Welcome benefits

• ₹500 gift voucher on spend of ₹5,000 within 30 days of card issuance
• 5% cashback (up to ₹1,000) on your first EMI transaction within 90 days

Perks

✓Domestic lounge access: 8/yr2 complimentary visits per quarter; requires ₹20,000 spend in the preceding calendar month
✓Fuel surcharge waiver: 1%Capped at ₹400/month
✓Forex markup: 1.99%
✓Air accident cover
✓Personal accident cover
✓CFAR (cancel for any reason) trip cancellation cover: up to ₹10,000
✓Purchase protection
✓Credit shield cover
✓Lost card liability cover
✓Up to 20% dining discounts at 1,500+ partner restaurants
✓Buy-one-get-one movie ticket offers (up to twice a month) via partner platforms
✓Up to 45 days interest-free credit period
✓Domestic airport and railway lounge access
✓₹99 + GST convenience charge applies per reward redemption

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.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Everything else

₹

1.5x points

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹5,000

Up to

2x points

CompareView details →

Perks

✓Domestic lounge access: 8/yr2 complimentary visits per quarter; requires ₹20,000 spend in the preceding calendar month

✓Fuel surcharge waiver: 1%Capped at ₹400/month

✓Forex markup: 1.99%

✓Air accident cover

✓Personal accident cover

✓CFAR (cancel for any reason) trip cancellation cover: up to ₹10,000

✓Purchase protection

✓Credit shield cover

✓Lost card liability cover

✓Up to 20% dining discounts at 1,500+ partner restaurants

✓Buy-one-get-one movie ticket offers (up to twice a month) via partner platforms

✓Up to 45 days interest-free credit period

✓Domestic airport and railway lounge access

✓₹99 + GST convenience charge applies per reward redemption

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.

IDFC FIRST Bank FIRST Select

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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IDFC FIRST Bank FIRST Select

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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