3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel
Strong data Pairwise comparison
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IDFC FIRST Bank Select vs IndusInd Bank Legend Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the IDFC FIRST Bank Select and the IndusInd Bank Legend. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Select for lounge access.
Head-to-head
Three core metrics- Annual fee Select ₹0Legend ₹0
- Forex markup Legend saves ~₹190 per ₹1L abroadSelect 1.99%Legend 1.8%
- Domestic lounge Select: +4 lounge visits/yrSelect 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)Legend No complimentary lounge access
Reward earning explained
Per card1 pt / ₹100 · Up to 2 pts / ₹100 on Weekend
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (IDFC FIRST Bank Select: ₹0 vs IndusInd Bank Legend: ₹0), forex markup (1.99% vs 1.8%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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Travel Insufficient data Insufficient data to compare travel
Only IDFC FIRST Bank Select has comparable evidence here. Forex markup is 1.99%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 1.99%. Forex markup is 1.8%.
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Lounge access IDFC FIRST Bank Select wins IDFC FIRST Bank Select is better for lounge access
IDFC FIRST Bank Select is stronger here. Domestic lounge access is 1 per quarter.
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Rewards Tie Both cards are similar for rewards
IDFC FIRST Bank Select conservative base value ~0.4% vs IndusInd Bank Legend's ~0.5%. IndusInd Bank Legend conservative base value ~0.5% vs IDFC FIRST Bank Select's ~0.4%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IndusInd Bank Legend: ~₹250/month at base rate
- IDFC FIRST Select: ~₹190/month at base rate
Illustrative only, using current base rates before caps.
| Field | Select IDFC FIRST Bank | Legend IndusInd Bank |
|---|---|---|
| Insurance — Air accident cover Only available for IDFC FIRST Select | ₹1 crore | Not specified |
| Insurance — Personal accident cover Only available for IDFC FIRST Select | ₹5 lakh | Not specified |
| Insurance — Lost card liability cover Only available for IDFC FIRST Select | ₹50,000 | Not specified |
| Insurance — Underwriter Only available for IDFC FIRST Select | Insured by New India Assurance | Not specified |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 1.8% | 1.99% | 1.8% |
| Fees | ||
| Recurring annual fee | ₹0 | ₹0 |
| Interest-free period Only available for IDFC FIRST Select | Up to 45 days | Not specified |
| Monthly interest rate Only available for IDFC FIRST Select | 0.71%–3.85% per month | Not specified |
| Fuel benefit 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · Fuel rewards excluded | 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · Fuel rewards excluded |
| Rewards | ||
| Base earn 3 pts / ₹200 vs 1 pt / ₹100 | 3 pts / ₹200 | 1 pt / ₹100 |
| Conservative base value ~0.4% vs ~0.5% | ~0.4% | ~0.5% |
| Earn ceiling Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities vs Not stated | Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC FIRST Select | ₹0.25 | Not specified |
| Point validity Only available for IDFC FIRST Select | 2 years | Not specified |
Notes
- IDFC FIRST Select Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
IDFC FIRST Bank Select
Verify with issuer , opens external siteIndusInd Bank Legend
Verify with issuer , opens external site