# IDFC FIRST Select

IDFC First Bank · Visa. lifetime free · 0% forex · 3X (3 RP / ₹200) all other spends since 18 Jan 2026.

✓ official · checked 21 June 2026 · Source: https://www.idfcfirstbank.com/personal-banking/cards/credit-card/first-select-credit-card

## How it earns (4)

- 3X (3 RP / ₹200) all other spends since 18 Jan 2026 · ✓ official · checked 16 June 2026
- 10X (10 RP/₹200) on dining/travel from the first transaction since 18 Jun 2026 (₹200 base since 18 Jan 2026) · ✓ official · checked 16 June 2026
- 10X international (10 RP / ₹200) since 18 Jan 2026 · international only · ✓ official · checked 16 June 2026
- 1X (1 RP / ₹200) utility/FASTag/insurance · ✓ official · checked 16 June 2026

## On gift vouchers

- ₹38 back on a ₹10,000 voucher bought direct. · 3X (3 RP / ₹200) all other spends since 18 Jan 2026
- Vouchers for Bharat Petroleum (BPCL) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No rewards: fuel, EMI, cash, fees

## Lounges (1)

- 1 domestic visit a quarter (from 1 Apr 2026), after ₹20,000 spent in the previous month. · Domestic (DreamFolks) · domestic · 1 per quarter

## Fees

- Annual fee: Lifetime free
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Points expire after 24 months
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (3)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)
- Devaluation · 18 June 2026: IDFC First Select earn is now capped to your credit limit (https://getbrief.cards/changes#idfc-select-cap-movie-2026)
- Improvement · 18 June 2026: IDFC First Select: 10X on dining/travel/intl reported from the first rupee (https://getbrief.cards/changes#idfc-select-earn-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-first-select