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IDFC FIRST Bank · Visa · हिन्दी

IDFC FIRST Select Credit Card: full review

The IDFC FIRST Select is the best lifetime-free card for dining and travel spenders. The 1.99% forex rate is the standout feature, one of the lowest in India. The 10X on dining and travel is strong, and railway lounge access is genuinely useful for frequent train travellers.

Apply now ↗Annual fee: Lifetime free
Last updated: August 2026 · Current terms verified
IDFC FIRST BANK
VISA
)))
SELECT
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
10X points (1.25%) on dining, travel and international spends; 3X (0.375%) on all other eligible spends; 1X (0.125%) on utility, insurance, FASTagReward structure
1 domestic visit/quarter (on ₹20,000/month spend); 4 railway lounge visits/quarterLounge access

Key benefits of the IDFC FIRST Select Credit Card

10X reward points on dining, travel and international transactions (effective from first transaction as of June 2026)3X reward points on all other eligible spends1X on utility, insurance, FASTag and railway spends1 RP = ₹0.25; points redeemable against any online purchase1 complimentary domestic lounge visit per quarter on ₹20,000/month spend4 railway lounge visits per quarter on ₹20,000/month spendLow 1.99% forex markupLifetime free, no joining or annual fee
Apply now ↗ Min. income: ₹12L/year · Credit score: 700+
Pros and cons
Pros
✓ Best lifetime-free card for dining and travel rewards
✓ 1.99% forex is significantly lower than the 3.5% standard
✓ Railway lounge access is unique, very useful for train travellers
✓ Points redeemable against any online purchase, maximum flexibility
Cons
✗ 10X rewards on dining/travel require ₹20,000/month spend (updated June 2026: now from first transaction)
✗ Low redemption value, 1 RP = ₹0.25
✗ ₹99 redemption convenience fee
✗ No rewards on fuel
Quick facts
Issuer IDFC FIRST Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (on ₹20,000/month spend); 4 railway lounge visits/quarter
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.99%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹12L/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceIDFC FIRST Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for IDFC FIRST Select Credit Card is Lifetime free. This card is lifetime free with no annual fee.
The main benefits of the IDFC FIRST Select Credit Card are: 10X reward points on dining, travel and international transactions (effective from first transaction as of June 2026); 3X reward points on all other eligible spends; 1X on utility, insurance, FASTag and railway spends; 1 RP = ₹0.25; points redeemable against any online purchase; 1 complimentary domestic lounge visit per quarter on ₹20,000/month spend; 4 railway lounge visits per quarter on ₹20,000/month spend; Low 1.99% forex markup; Lifetime free, no joining or annual fee.
10X points (1.25%) on dining, travel and international spends; 3X (0.375%) on all other eligible spends; 1X (0.125%) on utility, insurance, FASTag
IDFC FIRST Select Credit Card is best for Lifetime free card with dining, travel rewards and low forex markup. The IDFC FIRST Select is the best lifetime-free card for dining and travel spenders. The 1.99% forex rate is the standout feature, one of the lowest in India. The 10X on dining and travel is strong, and railway lounge access is genuinely useful for frequent train travellers.
The minimum income requirement for IDFC FIRST Select Credit Card is ₹12L/year. A minimum credit score of 700+ is also recommended.
Yes, IDFC FIRST Select Credit Card offers 1 domestic visit/quarter (on ₹20,000/month spend); 4 railway lounge visits/quarter.
IDFC FIRST Select Credit Card charges a 1.99% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Lifetime Free Credit Cards →Best Credit Cards for Salaried Employees →
Card reviews
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Compare with similar cards
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