CardIQIndia
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.
61
#6 of 173 in credit
IDFC First Bank

IDFC First Select Credit Card

creditVisapremiumProvisional score

Lifetime free premium card boasting accelerated points on exceeding typical monthly spends.

Score breakdown

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

Reward value55/100 · weight 65%
≈ 2.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 11%
Redemption flexibility75/100 · 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
1.99%

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

CategoryTypeRateCapNotes
all_spendspoints2.50%(10 pts @ ₹0.25)—10X Reward Points on incremental spends above Rs 25,000 per month or on birthday
online_spendspoints1.50%(6 pts @ ₹0.25)—6X Reward Points on standard online transactions