Which card has a lower forex fee: IDFC FIRST Select Credit Card or YES Bank Uni GoldX Credit Card?

YES Bank Uni GoldX Credit Card has lower forex markup (0% vs 1.99%).

Which card has a lower annual fee: IDFC FIRST Select Credit Card or YES Bank Uni GoldX Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

IDFC FIRST Select Credit Card: 1 per quarter domestic lounge. YES Bank Uni GoldX Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

IDFC FIRST Bank Select vs YES Bank Uni GoldX Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDFC FIRST Bank Select and the YES Bank Uni GoldX. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex YES Bank Uni GoldX Lounge IDFC FIRST Bank Select

Quick comparison

Three core metrics

Select IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month

Uni GoldX YES Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Select

10 pts / ₹100 on Dining + 3 pts / ₹150 on General spend

Limited data

Uni GoldX

1% on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Select: ₹0 vs YES Bank Uni GoldX: ₹0), forex markup (1.99% vs 0%), or lounge access (1/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: Limited data Uni GoldX: Limited data
Forex markup YES Bank Uni GoldX wins

YES Bank Uni GoldX is better for forex

YES Bank Uni GoldX is stronger here. Forex markup is 0%.
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 Insufficient data

Insufficient data to compare rewards

Only YES Bank Uni GoldX has comparable evidence here. Estimated base reward value is ~1% on base spend.

Select: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

YES Bank Uni GoldX: ~₹500/month at base rate
IDFC FIRST Select: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Select IDFC FIRST Bank	Uni GoldX YES Bank
Lounge Access
Domestic lounge visits 1/quarter vs No complimentary lounge access	1/quarter	No complimentary lounge access
Forex / International Use
Forex markup Source agreement differs — verify both. 1.99% vs 0%	1.99%	0%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Interest-free period Up to 45 days vs Up to 50 days	Up to 45 days	Up to 50 days
Rewards
Reward points (base spend) 3 pts/₹150 vs 1%	3 pts/₹150	1%
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

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.