Question 1

Is IDFC FIRST Select Credit Card really free?

Accepted Answer

Yes, IDFC FIRST Select Credit Card by IDFC FIRST is a lifetime free credit card with no annual or joining fee. It offers a base reward rate of 0.75% (up to 3%), making it a strong choice for cost-conscious users. CardTrail Score: 8.7/10.

Question 2

What is the reward rate on IDFC FIRST Select Credit Card?

Accepted Answer

IDFC FIRST Select Credit Card offers a base reward rate of 0.75% on regular spends, going up to 3% on select categories. Rewards are earned as Reward Points. New cardholders also get a welcome bonus of 500 Reward Points.

Question 3

Does IDFC FIRST Select Credit Card have airport lounge access?

Accepted Answer

Yes, IDFC FIRST Select Credit Card provides 4 domestic and 2 international lounge visits per quarter.

Question 4

What is the forex markup on IDFC FIRST Select Credit Card?

Accepted Answer

IDFC FIRST Select Credit Card charges a 1.99% forex markup on international transactions, plus 18% GST on the markup (effective rate: 2.35%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

IDFC FIRST Select Credit Card vs Fibe Axis Bank Credit Card — which is better?

Accepted Answer

IDFC FIRST Select Credit Card (CardTrail Score: 8.7/10) and Fibe Axis Bank Credit Card (Score: 8.9/10) are both entry level cards. IDFC FIRST Select Credit Card by IDFC FIRST has a no annual fee with 0.75% base rewards, while Fibe Axis Bank Credit Card by Axis has a no annual fee with 1% base rewards. Use our comparison tool for a detailed side-by-side analysis.

IDFC FIRST Select Credit Card

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