CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
IDFC First Bank

IDFC First Select Debit Card

48
Ranked #2 of 66 in debit
debitVisaPremium

IDFC First Bank's premium Select debit card offering enhanced limits, lounge access, and air accident insurance for account holders in the Select banking tier.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value36/100 · weight 71%
≈ 1.78% 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 12%
Redemption flexibility92/100 · weight 9%
Perks35/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
Lifetime free
Waiver: Genuinely lifetime free for the debit card itself, subject to account variant balance requirements
Forex markup
2%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
travelcashback10%₹500 / monthly10% reductions against MakeMyTrip flash sales exclusively for Select holders
all_spendspoints1.25%(5 pts @ ₹0.25)—5 points mapped per Rs 100 spent physically

Welcome offer

None specified

Milestone benefits

Pros

  • Enhanced transaction limits
  • genuinely free
  • lounge access included
  • Air Accident Insurance for flight-ticket purchases made via the account

Cons

  • Insurance requires meeting specific eligibility conditions (flight must be debited from IDFC First account)

Insurance cover

text
₹NaN

Eligibility

text
IDFC First Bank Select account holder

Small print

Fuel surcharge:Not a highlighted benefit