IDFC FIRST Select Credit Card

The IDFC FIRST Select Credit Card from IDFC First Bank is one of the best credit cards in its category. Here’s an honest breakdown of everything this card offers — and where it falls short.

Key Benefits at a Glance

• Primary Reward: 6X rewards online; 3X offline; 10X on birthday
• Annual Fee: Free
• Joining Fee: Free
• Lounge Access: 4 domestic/year
• Forex Markup: Zero

Who Is This Card Best For?

Mid-level spenders wanting zero-fee card with decent rewards

Our Honest Take

The IDFC FIRST Select Credit Card delivers solid value if your spending patterns match its reward structure. The Free annual fee is justifiable given the benefits on offer — especially the 6X rewards online; 3X offline; 10X on birthday.

Before applying, compare it against 2–3 alternatives in the same category to make sure this card really fits your lifestyle. Apply directly on the bank’s official website for the most accurate fee and benefit information.