All cards / IDFC FIRST Bank
IDFC FIRST Bank
IDFC FIRST Select
Visa
IDFC FIRST Select
Lifetime-free with a genuinely low 1.99% forex markup and interest rates that scale down with good repayment behavior — unusual for this tier, with accelerated rewards on dining, travel, and international spend.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Reward rates by category
- Dining4%
- Travel4%
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Complimentary domestic + railway lounge access, quarterly (min. ₹20,000 spend in preceding month)
Pros
- + Lifetime free
- + Low forex markup, good for travel
- + Interest rates can reduce over time
Cons
- − Very low base reward rate outside bonus categories
- − Lounge access is spend-conditional
Applying takes you to IDFC FIRST Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.