IDFC FIRST Select
IDFC · Premium Entry · Visa
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
4/year
Best Rate
1.5%
Network
Visa
✅ Data verified March 2026
Reward Rates by Category
✈️Travel
1.5%
🍽️Dining
0.5%
🛒Online Shopping
0.5%
🥦Groceries
0.5%
💡Utilities
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
⛽Fuel
0%
How Points Work
3 pts/₹150 base (0.5%), 2x UPI (1%), 3x travel (1.5%), 10x birthday (5%), 5x above ₹20K (2.5%) · 1pt = ₹0.25 · Points never expire
💡
Redemption matters
Base rate (0.5%) is for normal spends. Jumps to 2.5% above ₹20K/mo and 5% in birthday month. UPI earns 1%. Effective rate depends on spending pattern.
🚀 Boosted Rates (Partners & SmartBuy)
UPI spends2x (1%)
Travel bookings3x (1.5%)
Birthday month10x (5%)
Spends above ₹20K5x (2.5%)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Lifetime free5% birthday monthAirport + railway loungePoints never expire
PROS
✅ Free card with lounge access
✅ 5% on birthday month
✅ 2.5% on spends above ₹20K
CONS
⚠️ Low base rate (0.5%)
⚠️ Fuel excluded
⚠️ No zero forex
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