IDFC FIRST WOW vs IDFC FIRST Select
Cap-aware comparison at ₹41,000/month total spend · Data verified March 2026
IDFC FIRST WOW
Free
₹271
cashback/month
IDFC FIRST Select
Free
₹285
cashback/month
Winner
Category-by-Category Breakdown
🍽️Dining
₹5,000/moIDFC FIRST WOW
₹330.66%
IDFC FIRST Select
₹250.5%
✈️Travel
₹8,000/moIDFC FIRST WOW
₹530.66%
IDFC FIRST Select
₹1201.5%
🛒Online Shopping
₹8,000/moIDFC FIRST WOW
₹530.66%
IDFC FIRST Select
₹400.5%
🥦Groceries
₹6,000/moIDFC FIRST WOW
₹400.66%
IDFC FIRST Select
₹300.5%
⛽Fuel
₹3,000/moIDFC FIRST WOW
₹200.66%
IDFC FIRST Select
₹150.5%
💡Utilities
₹4,000/moIDFC FIRST WOW
₹260.66%
IDFC FIRST Select
₹200.5%
🎬Entertainment
₹2,000/moIDFC FIRST WOW
₹130.66%
IDFC FIRST Select
₹100.5%
🛍️Shopping
₹5,000/moIDFC FIRST WOW
₹330.66%
IDFC FIRST Select
₹250.5%
Quick Specs
Annual FeeFREEFREE
Fee WaiverLifetime freeLifetime free
NetworkVisaVisa
Lounge AccessNone1 domestic/quarter (devalued April 2026)
Card TypeTravelPremium Entry
The Verdict
It's nearly a tie — just ₹14 difference per month. IDFC FIRST WOW wins 7 categories, IDFC FIRST Select wins 1. Pick based on which categories matter most to you, or get both for full coverage.
Pick IDFC FIRST WOW if
→ You spend heavily on dining, online shopping, groceries
→ You want a lifetime free card
View IDFC FIRST WOW details →Pick IDFC FIRST Select if
→ You spend heavily on travel
→ You want lounge access (1 domestic/quarter (devalued April 2026))
→ You want a lifetime free card
View IDFC FIRST Select details →Or use both
Use IDFC FIRST WOW for dining and online shopping, and IDFC FIRST Select for travel. Combined fee: free.
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