IDFC
IDFC FIRST Bank Select Credit Card
16/year domestic lounge · no annual fee · 1.99% forex markup.
- Good for travel 2% forex · 16 lounge/year
- Moderate forex 2% forex markup
- Strong lounge access 16 lounge visits per year
- No annual fee No annual fee
Annual fee ₹0 lifetime free
Forex markup 1.99% moderate
Lounge access 16 visits / year
Rewards / ₹100 2 pts base
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹0
- Joining fee
- ₹0
- Forex markup
- 1.99%
- Lounge access
- 16/year domestic lounge
- Reward rate
- 2 pts / ₹100
What you'd do with it
- Works best for travelers who need around 16 domestic lounge visits a year.
- Good for everyday domestic spend if you want to avoid annual fee drag.
Best for
- Good for travel
- Strong lounge access
- No annual fee
Not the best for
- High forex markup (1.99%)
Still worth it?
Evidence-backed snapshotGood fit if
- No annual fee is on file.
- Forex markup is low at 1.99%.
- Lounge access is on file.
Watch out for
- One or more decision fields have source disagreement; verify before applying.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,000 pts/month (base earn)
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic visits
- 16/year
- International visits
- Not available in current snapshot
Rewards
- Points per ₹150
- 3 pts
Fees & charges
Fees
- Monthly interest rate
- 3.65% / month
- Annual fee
- ₹0
- Joining fee
- ₹0
International Use
- Forex markup
- 1.99%
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹0.
- Forex markup currently listed at 1.99%.
- 16/year domestic lounge is on file in the latest refinery snapshot.