Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#3 of 70 in debit

IDFC First Bank

IDFC First Select Debit Card

debitVisapremiumProvisional score

High withdrawal limit card ensuring travel protections and higher offline rewards.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value36/100 · weight 65%

≈ 1.79% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks28/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 2%

Lounge access

Domestic (per year): 4
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
travel	cashback	10%	₹500 / monthly	10% reductions against MakeMyTrip flash sales exclusively for Select holders
all_spends	points	1.25%(5 pts @ ₹0.25)	—	5 points mapped per Rs 100 spent physically