IDFC FIRST Bank FIRST Select credit card
IDFC FIRST BankVisaLifestyle

FIRST Select credit card

Lifetime free with 10X above ₹20k monthly, lounge access and 1.5%-style forex.

45
Personal score45/100● Good fit
Recurring net savings₹2,247/yrafter fee, GST and caps · bills paid in full
First-year value₹2,697incl. ₹450 welcome
Effective savings rate0.7%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Free for lifeno fee, ever
Lounge access✈8 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: IDFC FIRST Bank – FIRST Select product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹1,213/yrBase rate 0.5% on other spends
₹0Lifetime free
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! Not a RuPay card – your UPI QR spends cannot go on it.

Where the money comes from

₹2,247/yr · 0.7%
Base rate 0.5% on other spendson ₹2,42,640₹1,213
10X (1.67%) on monthly spend above ₹20,000on ₹50,640₹592
1X on utilities & insuranceon ₹48,000₹82
Excluded categories (no rewards)on ₹36,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 45 is built

weights total 100% · methodology
Net savings rate11/100 × 55%6.3
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
2 per quarterdomestic · needs ₹20,000 spend per month
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn0.5%value on eligible spend
⚡ Accelerated1.67% 10X on monthly spend…0.17% 1X on utilities & insurance
🚫 No rewards onfuelrent
🏷️ FeesLifetime free
🎁 Welcome (year 1)≈ ₹450₹500 voucher on ₹5,000 spend
🏁 Milestonesnone
✈️ Lounge✈2/qtr dom🌏0 intlneeds ₹20,000/month · 2 domestic per quarter on ₹20k prior-month spend
🌏 Forex markup1.99%+ GST on the markup
🔁 Redemption₹0.25/IDFC Reward Points ★★★☆☆1 RP = ₹0.25 (₹99 redemption fee).
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waivermovieszero forexinsurance coverBuy-one-get-one movie ticket (₹250 off) monthly
🪪 EligibilityIncome ₹12L+/yr

At a glance

  • No fee ever
  • Lounge access on spend
  • Low forex markup
  • 0.5% below ₹20k
  • Points worth ₹0.25
  • Lounge condition

Community Q&A on the FIRST Select

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the IDFC FIRST Bank FIRST Select?

It is lifetime free – no joining or renewal fee.

Does the FIRST Select give airport lounge access?

8 domestic/yr. 2 domestic per quarter on ₹20k prior-month spend. Access needs ₹20,000 spend per month.

How much can I save with the FIRST Select?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,247 a year, an effective savings rate of 0.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the FIRST Select's reward exclusions and caps?

No rewards on fuel, rent. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.