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IDFC · mid tier
IDFC FIRST Select Credit Card
Mid-income earners wanting a free card with lounge access
Joining fee
FREE
Annual fee
FREE
Base rate
1.5%
Expert rating
8.2/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹13,000
Fees-₹0
Net annual value+₹13,000
Value breakdown
Base rate (1.5%)+₹9,000
Lounge access (8 visits)+₹4,000
— Highlights
- Lifetime free
- 3X above ₹20K spend
- 8 lounge visits/year
— Reward rates
Earn by category
over-20k-monthly
3X