# IDFC First Wealth vs IDFC FIRST Select

Both are lifetime free. They differ on airport lounge access and the statuses they open.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [IDFC First Wealth](https://getbrief.cards/cards/idfc-first-wealth), IDFC First Bank
- [IDFC FIRST Select](https://getbrief.cards/cards/idfc-first-select), IDFC First Bank

| | IDFC First Wealth | IDFC FIRST Select |
|---|---|---|
| Annual fee | Lifetime free | Lifetime free |
| Forex markup | Nil | Nil |
| On ₹1,00,000 spent abroad | Nothing | Nothing |
| Network | Visa | Visa |
| Everyday spend | 3 RP / ₹200 base | 3X (3 RP / ₹200) all other spends since 18 Jan 2026 |
| Rewards in | IDFC First Reward Points, ₹0.25 a point at the bank’s baseline | IDFC First Reward Points, ₹0.25 a point at the bank’s baseline |
| Transfer partners | None | None |
| Airport lounges | 1 domestic visit a quarter · 1 international visit a quarter | 1 domestic visit a quarter |
| Statuses it opens | GHA Discovery Titanium | None |
| Applications | Open | Open |
| Last checked | 19 July 2026 | 26 October 2026 |

## How each one earns

### IDFC First Wealth

- 3 RP / ₹200 base · verified · checked 21 June 2026
- 10X (10 RP/₹200) dining/travel from 18 Jun 2026 · no ₹20K/mo threshold · ✓ official · checked 21 June 2026
- 10X (10 RP/₹200) international from the first txn, from 18 Jun 2026 · ✓ official · checked 21 June 2026

Every rule on the IDFC First Wealth page: https://getbrief.cards/cards/idfc-first-wealth

### IDFC FIRST Select

- 3X (3 RP / ₹200) all other spends since 18 Jan 2026 · ✓ official · checked 26 October 2026
- 10X (10 RP/₹200) on dining/travel from the first transaction since 18 Jun 2026 (₹200 base since 18 Jan 2026) · ✓ official · checked 26 October 2026
- 10X international (10 RP / ₹200) since 18 Jan 2026 · ✓ official · checked 26 October 2026
- 1X (1 RP / ₹200) on utilities, FASTag, insurance and railway spends · ✓ official · checked 26 October 2026

Every rule on the IDFC FIRST Select page: https://getbrief.cards/cards/idfc-first-select


## Questions

### What is the annual fee of IDFC First Wealth and IDFC FIRST Select?

As of 26 October 2026, IDFC First Wealth: lifetime free. IDFC FIRST Select: lifetime free.

### Which charges less on spend abroad, IDFC First Wealth or IDFC FIRST Select?

As of 26 October 2026, both charge a 0% markup: ₹0 on ₹1,00,000 spent abroad, GST included.

### Do IDFC First Wealth and IDFC FIRST Select come with airport lounge access?

As of 26 October 2026, IDFC First Wealth: 1 domestic visit a quarter · 1 international visit a quarter. IDFC FIRST Select: 1 domestic visit a quarter.


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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.

Canonical: https://getbrief.cards/compare/idfc-first-wealth-vs-idfc-first-select