LIC IDFC FIRST Select
IDFC FIRST Bank · Checked 2026-10-09
LIC IDFC FIRST Select is a no-annual-fee option centred on travel benefits, international spending and reward points.
CardIQ editorial view
Our take
LIC IDFC FIRST Select is a no-annual-fee option centred on travel benefits, international spending and reward points.
Who it suits
- People who prioritise travel benefits.
- People who prioritise international spending.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 10 points per ₹125 on LIC premiums; 5 on other eligible purchases.
- 1 point = ₹0.25; rewards are valid for three years.
- 0% foreign-currency markup; airport lounge access follows the issuer programme conditions.
Trade-offs to understand
- Essential-category rewards capped at 600 points per month; fuel, rent, non-LIC insurance, EMI and cash withdrawals are excluded.
- 0% foreign-currency markup; airport lounge access follows the issuer programme conditions.
CardIQ verdict
A sensible long-term choice when you want travel benefits, international spending and reward points without a recurring membership charge. Check this condition before applying: Essential-category rewards capped at 600 points per month; fuel, rent, non-LIC insurance, EMI and cash withdrawals are excluded.
Compare before deciding
- Scapia Axis Bank — A similarly priced alternative for comparing reward points and international spending.
- ixigo AU — A similarly priced alternative for comparing reward points and international spending.
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Benefits, limits and conditions
- 1 point = ₹0.25; rewards are valid for three years.
- Essential-category rewards capped at 600 points per month; fuel, rent, non-LIC insurance, EMI and cash withdrawals are excluded.
- 0% foreign-currency markup; airport lounge access follows the issuer programme conditions.