Entry Level Zero Forex

IDFC FIRST Select Credit Card

Name: IDFC FIRST Select Credit Card
Brand: IDFC FIRST
Price: 999 INR

IDFC FIRST

8.7

CardTrail Score

Very Good

out of 10

💰 Net Value

5.4

🔓 Accessibility

8.6

⚡ Feature Depth

6.6

🏦 Bank Trust

7.5

How we score →

Compare This Card Full Details

Annual Fee

₹999

Spend ₹2L/year

Forex Markup

No extra charge

Reward Rate

0.75%

Up to 3%

Lounge Access

domestic | 2 intl

About This Card

The IDFC FIRST Select is the cheapest zero-forex card in India. At ₹999 annual fee (waived at ₹2L), you get what most premium cards charge ₹5K+ for — zero forex markup and lounge access. A must-hold as a secondary card for international transactions.

Pros & Cons

Pros

Zero forex at just ₹999/year
Lounge access even on entry card
Easy ₹2L fee waiver
Good starter card for travellers

Cons

0.75% base reward rate
Limited reward redemption
4 quarterly lounge cap is modest

Fee Details

Annual Fee

₹999

Joining Fee

₹999

Fee Waiver Condition

Spend ₹2L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.75%

Max Rate

Currency

Reward Points

Welcome Bonus

500 Reward Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

per quarter

Key Highlights

+ Zero forex markup at entry-level pricing
+ 4 domestic + 2 international lounges/quarter
+ 3X on dining, groceries

Compare With...

See how IDFC FIRST Select Credit Card stacks up against top alternatives

HDFC Diners Club Black

HDFC

9.4

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