IDFC

IDFC FIRST Bank Select Credit Card

Good for everyday spend without annual fee drag.

IDFC FIRST VISA

Select

Should you get this?

Strong fit

Partial evidence

Why this card

Forex markup is low at 1.99%.
Up to 10 pts / ₹200 on Dining
You want a lifetime-free card.

Issuer evidence · 5 sources →

Trade-off

Domestic: 1/quarter · requires ₹20,000 spend in the previous month. Verify current lounge eligibility before travel.

Annual fee ₹0 lifetime free

Rewards 3 pts / ₹200

Lounge access 1 per quarter

Forex markup 1.99% moderate

Compare with AU Small Finance Bank ixigo →

Similar lounge profile

Rewards

Earning rules

Detail · from the summary above

General spend3 pts / ₹200——

Dining10 pts / ₹200——

International spend10 pts / ₹200——

Travel10 pts / ₹200——

Show all 6 earning rules (2 more)

Insurance1 pt / ₹200——

Utilities1 pt / ₹200——

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹0.25 per point

Headline redemption

Base earn

3 points per ₹200 (~0.375% base (conservative redemption))

Best verified lane

Dining

10 pts / ₹200

View bonus categories →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Lounge access spend gate₹20,000monthLounge eligibilityreasonablestrong

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Based on the standard earn rate (3 pts / ₹200). ~750 pts/month. Category and partner bonuses aren't included in this estimate.
Forex cost ~₹1,000 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 1 per quarter · verified 6 Jul 2026 Condition: ₹20,000 spend in the previous month

Single source · verify on issuer site

Where to verify

Operator-verified anchor
Railway (cardholder): 16 railway lounge visits per year (max 4/quarter)

Single source · verify on issuer site

Where to verify

Operator-verified anchor
International (cardholder): Not included International details not available.

Single source · verify on issuer site

Where to verify

Operator-verified anchor
IDFC FIRST Select privileges T&C , opens external site

Rewards

Base earn: 3 points per ₹200 value depends on redemption
Effective return (honest floor): ~0.375% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value: ₹0.25 per Reward Point (Headline redemption) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Point validity: Points expire 2 years after earning · verified 7 Jul 2026