The IDFC First Select Visa is lifetime free, earns 3X Reward Points Upto Spends ₹20000, includes 2 airport lounge visits a quarter and charges a 0% forex markup.
| Annual fee | None |
|---|---|
| Joining fee | None |
| Base rewards | 3X Reward Points Upto Spends ₹20000 |
| Lounge access | 2 airport lounge visits a quarter |
| Forex markup | 0% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
245 online offers across 166 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- ixigo: Rs.10000 Discount · till 31 Dec
- Croma: Rs.3000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
These are IDFC First Bank's own offers and Visa network offers, so they apply to every IDFC First Bank Visa card, not just this one. All IDFC First Bank offers by category.
More about the Idfc First Select Visa Credit Card
Is the Idfc First Select Visa Credit Card worth it in 2026?
Yes, the Idfc First Select Visa Credit Card is worth it in 2026 with no joining or annual fees and attractive rewards like 10X points on birthdays and crossing spends of Rs. 20,000. It also offers 2 complimentary domestic airport lounge accesses per quarter, making it valuable for frequent travelers.
Who should get the Idfc First Select Visa Credit Card?
This card is ideal for individuals who spend regularly on rent, property management, insurance premiums, and utility bills. It's perfect for users looking to maximize reward points on birthdays and high monthly spends, especially those who value complimentary lounge access.
How to maximise rewards on the Idfc First Select Visa Credit Card?
To maximise rewards, spend over Rs. 20,000 monthly to earn 10X reward points and use the card on birthdays for the same 10X points. Additionally, use it for rental and property management transactions to get 3X points and for insurance and utility payments to earn 1X points.
Is the Idfc First Select Visa Credit Card better than a top competing premium card?
The Idfc First Select Visa Credit Card stands out with no joining or annual fees and strong reward multipliers like 10X points on birthdays and high spends. While premium cards may offer more luxury benefits, this card provides excellent value for everyday spending and travel perks.