IDFC First Select Credit Card Review Clone
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IDFC First Select Credit Card Review Clone

IDFC First Select Credit Card, which is positioned above the IDFC Classic Credit Card and below the IDFC Wealth Credit Card, is issued on the Visa Signature platform.

It was a fantastic product when it was first introduced but lately the only IDFC credit card worth getting is IDFC wealth that too because of visa infinite benefits and being LTF


TypeLow-end Credit Card
Reward Rate0.6% – 2%
Annual FeeLifetime Free
Best forRailway lounge access and roadside assistance
USPComplimentary Roadside Assistance Service
IDFC benefits

Unfortunately no merchant offers are ran by IDFC bank so the only reason to hold this card is that it is LTF


The design is simple.The card is made of plastic so it gets a lot of scratches.Also the plastic is not of good quality.The red colour is just painful on eyes and i usually dont carry this card with me


Offline Spends3 RP / 125 INR (3X)0.6%
Online Spends6 RP / 125 INR (6X)1.2%
Spends >25K (per stmt)10 RP / 125 INR (10X)2%
Spends on Birthday10 RP / 125 INR (10X)2%
  • 1 Reward Point = 0.25 INR
  • Redemption Charges: 99 INR+GST (from 1st Oct 2022)
  • Rewards don’t expire

Lounge Access

Domestic Airport LoungesVisa4/Qtr
Domestic Railway LoungesVisa4/Qtr
International LoungesNilNil
Lounge Access

The only benefit here is you get railway lounge access , which only a few cards are providing like makemytrip icici signature card and few others

Other Benefits

  • Complimentary Road Side Assistance(RSA) which is highligh here
  • Revolving Interest Rate: Relatively lower interest rate compared to other banks
  • Buy 1 Get 1 Movie Benefit: 
  • Forex Markup Fee: 1.99% + GST (However IDFC WOW card offers 0% markup)

Complimentary roadside assistance is one of the unique feature on this credit card. It maybe useful at times, for ex, to jump start your car on breakdown.

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