IDFC FIRST Select
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Select is a no-annual-fee option centred on travel benefits, dining rewards and airport lounge access.
CardIQ editorial view
Our take
IDFC FIRST Select is a no-annual-fee option centred on travel benefits, dining rewards and airport lounge access.
Who it suits
- People who prioritise travel benefits.
- People who prioritise dining rewards.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 10X points on eligible dining, travel, international and birthday purchases.
- 1 domestic lounge visit per quarter requires ₹20,000 preceding-calendar-month spend.
Trade-offs to understand
- 1 domestic lounge visit per quarter requires ₹20,000 preceding-calendar-month spend.
- Zero forex markup; reward redemption charges and category exclusions apply.
CardIQ verdict
A sensible long-term choice when you want travel benefits, dining rewards and airport lounge access without a recurring membership charge. Check this condition before applying: 1 domestic lounge visit per quarter requires ₹20,000 preceding-calendar-month spend.
Compare before deciding
- IDFC FIRST Wealth — A similarly priced alternative for comparing reward points and airport lounge access.
- AU Zenith+ — A higher-fee option to compare for broader benefits around reward points and airport lounge access.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- No joining or annual fee on the primary card; digital UPI companion has separate charges.
- 1 domestic lounge visit per quarter requires ₹20,000 preceding-calendar-month spend.
- Zero forex markup; reward redemption charges and category exclusions apply.