IDFC FIRST Power+ vs IDFC FIRST Select
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Select Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.7/10 vs 7.2/10.
| Feature | IDFC FIRST Power+ | IDFC FIRST Select |
|---|---|---|
| CardTrail Score | 7.2/10 | 8.7/10 |
| Annual Fee | ₹499 | Free |
| Base Reward Rate | 0.5% | 0.75% |
| Max Reward Rate | 3% | 3% |
| Forex Markup | 1.99% | 1.99% |
| Domestic Lounges | 4 | 4 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa Signature |
When to Choose IDFC FIRST Power+
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: fuel, cashback
When to Choose IDFC FIRST Select
- You want a lifetime free card with zero annual cost
- Your primary spend is: beginner, value
Annual Fee Value Analysis
To break even on IDFC FIRST Power+'s ₹499 fee at 0.5% rewards, spend ₹8,317/month.
IDFC FIRST Select is lifetime free — no break-even needed.