IN
IDFC FIRST Bank
IDFC FIRST Select
VISA
🇮🇳 India · IDFC FIRST Bank

IDFC FIRST Select

Lifetime-free with surprisingly strong reward earn rates.

4.5 / 5
Joining fee
₹0
Annual fee
₹0
Top reward
10%
Min income
₹600,000

External link to IDFC FIRST Bank’s own application page.

The IDFC FIRST Select has no annual fee. It earns 10% on shopping and 3% on everything else. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much IDFC FIRST Select actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards34,800
Annual feeNo fee
Welcome bonus (year 1 only)+15
Cumulative net value
+174,015
over 5 years
Year 1
34,815
+34,815/yr
Year 2
69,615
+34,800/yr
Year 3
104,415
+34,800/yr
Year 4
139,215
+34,800/yr
Year 5
174,015
+34,800/yr
Year 1 (with bonus)
34,815
Year 2+ (steady state)
34,800/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the IDFC FIRST Select earn?

What you earn back, by category.

shopping
10%
📈
Everything else
3%
📈
🎁
Welcome bonus

600 reward points on ₹15K spend in first 90 days

What do you get with the IDFC FIRST Select?

  • 10x reward points on ₹20K+ monthly spend
  • 6x reward points on ₹20K below threshold
  • 3x reward points on offline spend
  • Lifetime free, no annual fee, ever
  • 4 complimentary domestic + 2 international lounge visits per quarter
  • 1% fuel surcharge waiver

Who qualifies for the IDFC FIRST Select?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹600,000
Min credit score
750+
Self-employed
Eligible

IDFC FIRST Select FAQ

What is the IDFC FIRST Select annual fee?

The IDFC FIRST Select has no annual fee.

What does the IDFC FIRST Select earn?

It earns 10% on shopping and 3% on everything else.

What income do you need for the IDFC FIRST Select?

The stated minimum income is ₹6,00,000 a year. Banks treat this as a guideline, not a hard cutoff.

What is the IDFC FIRST Select welcome bonus?

600 reward points on ₹15K spend in first 90 days.

Are these IDFC FIRST Select figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.