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faayda.com › compare › IDFC FIRST Select vs IDFC FIRST Wealth
Comparison · हिन्दी

IDFC FIRST Select vs IDFC FIRST Wealth

Both cards compared on real rupee returns for IDFC FIRST mid-tier vs premium lifetime free card. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
IDFC FIRST
SELECT
ASHOK KUMAR
VS
IDFC FIRST
WEALTH
ASHOK KUMAR
Our verdict
IDFC FIRST Wealth Credit Card wins for most people
Card B delivers ₹7,200 annual benefits versus Card A's ₹2,430, making it the clear winner for this spend profile. Both cards are lifetime free, but Card B's rewards structure aligns significantly better with your monthly expenses.
Side-by-side comparison
IDFC FIRST Select Credit Card IDFC FIRST Wealth Credit Card ✓
Annual benefit ₹2,430 ₹7,200
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹0 (lifetime free)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 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 6X reward points on online spends; 3X on offline; 10X on birthdays
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 Unlimited domestic + 4 international
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% 1.5%
Best for Lifetime free card with dining, travel rewards and low forex markup Lifetime free premium card with strong rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹12L/year ₹18L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
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When each card wins
IDFC FIRST Select Credit Card
Choose Card A if you prioritize international travel frequently or have substantial forex transactions, as its 10X points on international spends and low forex markup provide specialized value beyond regular reward calculations.
IDFC FIRST Wealth Credit Card
Card B excels for everyday spenders with balanced online and offline purchases. Its 6X online rewards and birthday bonus effectively maximize returns on your ₹27,000 monthly spend across shopping, dining, and travel.
Who should get which card
Get IDFC FIRST Select if you…
· Frequent international traveler seeking forex benefits
· Dining and travel enthusiast wanting focused rewards
· Preference for straightforward category-based earning structure
Get IDFC FIRST Wealth if you…
· Balanced spender across online and offline channels
· Want maximum annual benefits (₹7,200 vs ₹2,430)
· Birthday month bonus appeals to you
· Lifetime free premium card with superior rewards
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
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UNITY
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, IDFC FIRST Wealth Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Select Credit Card has an annual fee of Lifetime free. IDFC FIRST Wealth Credit Card has an annual fee of ₹0 (lifetime free).
IDFC FIRST Select Credit Card offers 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 Wealth Credit Card offers 6X reward points on online spends; 3X on offline; 10X on birthdays.
IDFC FIRST Select Credit Card lounge access: 1 domestic visit/quarter (on ₹20,000/month spend); 4 railway lounge visits/quarter. IDFC FIRST Wealth Credit Card lounge access: Unlimited domestic + 4 international.
IDFC FIRST Select Credit Card charges 1.99% forex markup. IDFC FIRST Wealth Credit Card charges 1.5% forex markup.