IDFC FIRST Select Credit Card
IDFC FIRST Select: judge the premium entry benefits against your spending and renewal cost.
By Ash · Issuer source linked September 2026
Check the issuer’s current card terms, availability and eligibility criteria.
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3 Reward Points/₹200 on eligible spends up to ₹20,000 per statement cycle; 10X on incremental spends above ₹20,000 and on birthday spends. Dining/travel/international may earn up to 10X; select categories earn 1X. 1 point = ₹0.25; points valid for 24 months. Reward earning is tiered by monthly spend and category; 1 point is worth ₹0.25. A ₹99 + GST redemption fee applies. IDFC FIRST also advertises bonus points on eligible flight and hotel bookings through its app; check the live offer terms.
Cash-value estimates are not enabled for this product. Its merchant, feature or redemption conditions need a separate model; published earn rules and non-cash benefits are shown below. Eligibility and excluded transaction types still matter even where no cap is recorded.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: Lifetime free.
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
Why no automated estimate: Spend-threshold acceleration, transaction categories and redemption fees need a tier-aware portfolio model.
3 Reward Points/₹200 on eligible spends up to ₹20,000 per statement cycle; 10X on incremental spends above ₹20,000 and on birthday spends. Dining/travel/international may earn up to 10X; select categories earn 1X. 1 point = ₹0.25; points valid for 24 months.
Reward earning is tiered by monthly spend and category; 1 point is worth ₹0.25. A ₹99 + GST redemption fee applies. IDFC FIRST also advertises bonus points on eligible flight and hotel bookings through its app; check the live offer terms.
PROS
- No joining or annual fee
- Zero forex markup
- Airport and railway lounge access subject to spend eligibility
CONS
- ₹20K spend condition for lounge access
- Fuel excluded from rewards
- ₹99 + GST redemption fee; points expire after 24 months
- Published earn rules: 3 Reward Points/₹200 on eligible spends up to ₹20,000 per statement cycle; 10X on incremental spends above ₹20,000 and on birthday spends. Dining/travel/international may earn up to 10X; select categories earn 1X. 1 point = ₹0.25; points valid for 24 months.
- Redemption choice: 3 Reward Points/₹200 on eligible spends up to ₹20,000 per statement cycle; 10X on incremental spends above ₹20,000 and on birthday spends. Dining/travel/international may earn up to 10X; select categories earn 1X. 1 point = ₹0.25; points valid for 24 months. Reward earning is tiered by monthly spend and category; 1 point is worth ₹0.25. A ₹99 + GST redemption fee applies. IDFC FIRST also advertises bonus points on eligible flight and hotel bookings through its app; check the live offer terms.
- Renewal decision: Listed annual fee: ₹0 before applicable tax. Lifetime free. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
₹20K spend condition for lounge access. Fuel excluded from rewards. ₹99 + GST redemption fee; points expire after 24 months
How does IDFC FIRST Select earn rewards?
3 Reward Points/₹200 on eligible spends up to ₹20,000 per statement cycle; 10X on incremental spends above ₹20,000 and on birthday spends. Dining/travel/international may earn up to 10X; select categories earn 1X. 1 point = ₹0.25; points valid for 24 months.
Are points and cashback the same?
3 Reward Points/₹200 on eligible spends up to ₹20,000 per statement cycle; 10X on incremental spends above ₹20,000 and on birthday spends. Dining/travel/international may earn up to 10X; select categories earn 1X. 1 point = ₹0.25; points valid for 24 months. Reward earning is tiered by monthly spend and category; 1 point is worth ₹0.25. A ₹99 + GST redemption fee applies. IDFC FIRST also advertises bonus points on eligible flight and hotel bookings through its app; check the live offer terms.
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. Lifetime free. Exclude unused vouchers and promotional offers from your baseline.