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IDFC FIRST Bank

IDFC FIRST Select Credit Card

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Annual Fee

₹500

Reward Type

Cashback

Forex

1%

Lounge

8 dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹500(waived ≥ ₹1,00,000)
Min Monthly Income₹30,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

above 25k10%

Redemption Values

statement credit₹0.25/pt

Travel & Global

Forex Markup1%
Domestic Lounge8 visits/yr
Intl. Lounge2 visits/yr
Lounge NetworkDreamfolks

Lounge Details

Spend ₹20K in previous quarter for domestic lounge access.

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

IDFC First Private Credit Card (98%) →SBI Pulse (96%) →AU Lit (94%) →IDFC First Classic Credit Card (94%) →IDFC First Millennia Credit Card (94%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1.5%, you need to spend ₹33,334 annually.

🎯 Pro Tips

  • ▸Earn 1.5% cashback on all spends.
  • ▸Get 2 complimentary international lounge visits per year.
  • ▸Fuel surcharge waiver on all fuel transactions.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹17,500

Effective Rate

1.5%

Ranked #37 of 173 cards#37

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

cashbacklifestyletravel