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 (No joining or annual fee currently listed).

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?

YES Bank Uni GoldX Credit Card has higher conservative base reward value (~1% vs ~0.38%).

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.

Select

Uni GoldX

The short answer

Verdict

Pick Select for lounge access.

Pick Uni GoldX for spending abroad and rewards.

Head-to-head

Three core metrics

Annual fee

Select ₹0

Uni GoldX ₹0
Forex markup

Select 1.99%

Uni GoldX 0%

Uni GoldX saves ~₹1,990 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)

Uni GoldX 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

Uni GoldX

Limited data

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 (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 Uni GoldX: Strong 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 YES Bank Uni GoldX wins

YES Bank Uni GoldX is better for rewards

YES Bank Uni GoldX is stronger here. YES Bank Uni GoldX conservative base value ~1% vs IDFC FIRST Bank Select's ~0.4%.

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: ~₹190/month at base rate

Illustrative only, using current base rates before caps.

Field	Select IDFC FIRST Bank	Uni GoldX YES 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 0%	1.99%	0%
Fees
Recurring annual fee	₹0	₹0
Interest-free period Up to 45 days vs Up to 50 days	Up to 45 days	Up to 50 days
Monthly interest rate 0.71%–3.85% per month vs 3.99% / month	0.71%–3.85% per month	3.99% / month
Fuel benefit 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · up to ₹7,500 transactions · ₹500/month waiver cap	1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded	1% surcharge waiver · up to ₹7,500 transactions · ₹500/month waiver cap
Rewards
Base earn 3 pts / ₹200 vs 1%	3 pts / ₹200	1%
Conservative base value ~0.4% vs ~1%	~0.4%	~1%
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

YES Bank Uni GoldX

Verify with issuer