IDFC Bank
IDFC First Select Credit Card
Lifetime-free rewards and travel card with low forex markup, domestic lounge access and up to 10X Reward Points.
✓ SmartCheck VerifiedIssuer-source checked on 18 Sep 2026
This card has been manually reviewed against official issuer sources across fees, rewards, benefits, charges and application status.
- Annual fee
- No annual fee
- Rewards
- Lifetime-free card with up to 10X Reward Points in eligible categories,…
- Forex markup
- 1.99%
Credofly Verdict
Is this card a good fit?
What works well
- Lifetime-free card with low forex markup.
Consider before applying
- Reward programme is increasingly category-specific.
Rewards
How rewards work
Base rewards
Lifetime-free card with up to 10X Reward Points in eligible categories, domestic lounge access and current 1.99% forex markup according to the official FIRST Select listing.
Fees & Charges
What the card costs
- Joining fee
- ₹0
- Annual fee
- ₹0
- Forex markup
- 1.99%
Eligibility & Application
Before you apply
Check eligibility ↗Frequently Asked Questions
Answers before applying
What is the annual fee for IDFC First Select Credit Card?
This card has no annual fee.
What forex markup does this card charge?
The forex markup is 1.99%.
How does this card earn rewards?
Lifetime-free card with up to 10X Reward Points in eligible categories, domestic lounge access and current 1.99% forex markup according to the official FIRST Select listing.
Does this card support UPI?
No. This card does not support UPI.
Is this card currently open for applications?
Applications are currently open.
