Which card has a lower forex fee: IDFC FIRST Select Credit Card or IndusInd Bank Platinum Aura Edge Credit Card?

IndusInd Bank Platinum Aura Edge Credit Card has lower forex markup (1.8% vs 1.99%).

Which card has a lower annual fee: IDFC FIRST Select Credit Card or IndusInd Bank Platinum Aura Edge Credit Card?

Both cards have the same annual fee (No joining or annual fee currently listed).

Which card offers better lounge access?

IDFC FIRST Select Credit Card: 1 per quarter domestic lounge. IndusInd Bank Platinum Aura Edge Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

IDFC FIRST Select Credit Card has higher conservative base reward value (~0.38% vs ~0.25%).

Pairwise comparison Compare 3+ cards →

IDFC FIRST Bank Select vs IndusInd Bank Platinum Aura Edge Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDFC FIRST Bank Select and the IndusInd Bank Platinum Aura Edge. Verify fees, lounge access, forex markup, and base rewards before you apply.

Select

Platinum Aura Edge

The short answer

Verdict

Pick Select for lounge access.

Head-to-head

Three core metrics

Annual fee

Select ₹0

Platinum Aura Edge ₹0
Forex markup

Select 1.99%

Platinum Aura Edge 1.8%

Platinum Aura Edge saves ~₹190 per ₹1L abroad
Domestic lounge

Select 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

Platinum Aura Edge No complimentary lounge access

Select: +4 lounge visits/yr

Reward earning explained

Per card

Select

3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel

Strong data

Platinum Aura Edge

0.5 Savings Points / ₹100

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Select: ₹0 vs IndusInd Bank Platinum Aura Edge: ₹0), forex markup (1.99% vs 1.8%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Select has comparable evidence here. Forex markup is 1.99%.

Select: Strong data Platinum Aura Edge: Strong data
Forex markup Tie

Both cards are similar for forex

Forex markup is 1.99%. Forex markup is 1.8%.
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.
Rewards Tie

Both cards are similar for rewards

IDFC FIRST Bank Select conservative base value ~0.4% vs IndusInd Bank Platinum Aura Edge's ~0.3%. IndusInd Bank Platinum Aura Edge conservative base value ~0.3% vs IDFC FIRST Bank Select's ~0.4%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Select: ~₹190/month at base rate
IndusInd Bank Platinum Aura Edge: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	Select IDFC FIRST Bank	Platinum Aura Edge 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 0.71%–3.85% per month vs 3.95% / month	0.71%–3.85% per month	3.95% / month
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 0.5 Savings Points / ₹100	3 pts / ₹200	0.5 Savings Points / ₹100
Conservative base value ~0.4% vs ~0.3%	~0.4%	~0.3%
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. ₹0.25 vs ₹0.5	₹0.25	₹0.5
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

IndusInd Bank Platinum Aura Edge

Verify with issuer