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

The IDFC FIRST Bank Select is a lifetime-free credit card with no joining or annual fee.

Does the IDFC FIRST Bank Select offer airport lounge access?

Yes — the IDFC FIRST Bank Select offers 2 domestic per quarter lounge visits, 4 railway per quarter lounge visits.

What rewards does the IDFC FIRST Bank Select earn?

It earns 0.17% on eligible spends as Reward Points.

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IDFC FIRST

Premium

•••• •••• •••• 0000

Select

VISA

Select

IDFC FIRST Bank • Visa• Premium

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Annual Fee

Free

Base Reward Rate

0.17%

Foreign Tx Fee

1.99%

Tier

Premium

Joining Fee

Free

Verified

2026-05-28

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticDreamFolks

2 per quarterhigh

⚠️ Activation: ₹20,000 per month

2 domestic visits per quarter, requires ₹20,000 monthly spend.

railway

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹34

Dining₹5,000/mo

+₹9

Grocery₹8,000/mo

+₹14

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹9

Online Shopping₹8,000/mo

+₹40

Utilities₹3,000/mo

+₹5

Annual earnings

₹1,316

Blended 0.21% effective return

Monthly spend₹52,000

Monthly earnings+₹110

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

LTF. Cancellation for Any Reason insurance. Fast-track immigration at 450+ locations. 24/7 concierge.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹1 depending on redemption (cashback → flights/transfer).
value range
0.17% base reward rate on all eligible spends
0.17%medium
Online: 0.5% — 3X offline (cap ₹20K).
0.5%medium

DreamFolks

4 per quarterhigh

✓ No activation spend required — access is unconditional.

4 railway lounge visits per quarter (at 6 Indian stations). NO spend requirement.

10X >₹20K: 1.67% — 10X on spends >₹20K.

1.7%medium

Forex

1.99% forex markup on international card transactions
1.99%

Travel

domestic via DreamFolks: 2 per quarter — needs ₹20,000/month to activate
2/quarterhigh
railway via DreamFolks: 4 per quarter — no spend needed
4/quarterhigh
Lifetime free card — ₹0 joining, ₹0 annual, ₹0 renewal.
₹0 forever

Payments

Joining fee: Free. Annual: Free.
Lifetime free