IDFC FIRST Select Credit Card
IDFC FIRST Bank
Dining rewardspriority:lounge domesticTravel points
Free
Joining fee
Free
Annual fee
1.99%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Minimum annual income Rs 12,00,000
Lounge access
4 domestic / 0 international / 16 railway visits per year
Reward details
3 points per Rs 200 on other categories
- 10 points per Rs 200 on Travel/dining
Category caps
- Utilities/insurance: 1 point per Rs 200
Redemption
Ratio: 1 point = Rs 0.25; points valid 24 months; earning uncapped
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Multiple benefits across categories at zero cost, with particular strength in travel rewards and a competitive 1.99% forex fee for international spenders — Paisabazaar
Complaints
- Low reward redemption value — Paisabazaar
- Spend-based conditions limit practical access to lounge and movie benefits, requiring consistent Rs 20,000 monthly spending — Paisabazaar
Sources
- Official — confirmed lifetime-free status and domestic travel/lounge positioning only; JS-rendered page did not return full detail content
- Aggregator — eligibility, forex, lounge, rewards, sentiment