IDFC FIRST Select Credit Card

Name: IDFC FIRST Select Credit Card
Brand: IDFC FIRST Bank

IDFC FIRST Bank • Free for life, with a quarterly domestic lounge visit

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A lifetime free card positioned above Millennia for higher income users. It keeps the 10X and 3X reward structure and adds a quarterly domestic airport lounge visit and stronger movie benefits at no annual fee.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)

Fee WaiverLifetime Free forever

Joining PerkWelcome benefits as listed on the official card page, with Buy One Get One movie offers twice a month

Primary Reward10X Reward Points on dining, travel, international spends and birthday spends, 3X Reward Points on everyday purchases

Airport Lounge Access1 Domestic Lounge visit per quarter, plus 4 railway lounge visits per quarter, subject to ₹20,000 spend in the previous calendar month

Forex Markup0% + 18% GST

RuPay UPINo

Best ForFrequent domestic travellers who want lounge access without an annual fee

What We Like

Lifetime free with no joining or annual fee
1 domestic airport lounge visit per quarter
Low 0% forex markup on international spends

Watch Out

Needs annual income of ₹12 lakh or more as listed officially
Lounge and movie benefits have previous month spend conditions
Reward redemption fee may apply

MITC & Hidden Charges

Lifetime free card. 18% GST applies to other charges as applicable. Annual fee ₹0, so the fee with GST is ₹0. Other fees and finance charges apply as per bank terms.