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IDFC FIRST Select Credit Card VS IDFC FIRST Wealth Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 26 July 2026

Both IDFC FIRST Select Credit Card and IDFC FIRST Wealth Credit Card suit travel-focused spenders, but they earn and cost differently. IDFC FIRST Select Credit Card is lifetime-free and earns up to 10X Reward Points on spends above ₹20,000 per month. IDFC FIRST Wealth Credit Card is lifetime-free and earns 10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25. IDFC FIRST Select Credit Card also brings 4 complimentary domestic airport lounge visits per quarter, while IDFC FIRST Wealth Credit Card counters with 2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend). If travel spending matters more, go with IDFC FIRST Select Credit Card; if premium is the priority, IDFC FIRST Wealth Credit Card fits better.

IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card
IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based WaiverNot Applicable
Foreign Transaction Fees1.99% + GST (approx. 2.35% effective).
Foreign Transaction Fees1.5% (+ GST) on international transactions.
Interest Rate (APR)8.5% to 46.2% p.a. based on credit score & usage.
Interest Rate (APR)Dynamic interest rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).

Rewards & Benefits

Welcome Bonus₹500 gift voucher on ₹5k spend & 5% cashback up to ₹1k on first EMI, both within 30 days.
Welcome Bonus₹500 gift voucher on spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Rewards Rate10X on Dining, Travel, Intl & Birthday; 3X on others; 1X on Insurance, Utilities, Railways, FASTag.
Rewards Rate10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Reward TypeReward Points, Cashback, Other Benefits
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption.
Reward Redemption Fee₹99 + GST per redemption transaction.

Travel & Lifestyle

Domestic Lounge Access1 domestic airport lounge & 4 railway lounge accesses per quarter (₹20k spend/month).
Domestic Lounge Access2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge Access
International Lounge Access2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
Travel Benefits10X rewards on travel, bonus points on flights/hotels via app, 300+ merchant offers.
Travel Benefits1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Movie BenefitsBuy 1 Get 1 movie ticket offer up to ₹125, twice monthly (spend ₹20k/month).
Movie BenefitsBuy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Dining Benefits10X rewards on dining & 300+ merchant offers.
Dining BenefitsUp to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Golf Benefits
Golf BenefitsUp to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Fuel Surcharge Waiver1% waiver on ₹200-₹5,000 transactions, max ₹300/cycle.
Fuel Surcharge Waiver1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).

Security & Other

Insurance Benefits₹1 Cr Air Accident, ₹5 L Personal Accident, ₹50k Lost Card, ₹10k Trip Cancellation, USD 300 Travel.
Insurance Benefits₹1 Crore air accident cover, ₹10 Lakh personal accident cover, and USD 1,200 travel insurance.
Cash Advance Charges₹199 + GST per transaction; interest-free for up to 45 days.
Cash Advance Charges₹199 + GST per transaction with 0% interest for up to 45 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC FIRST Select Credit Card

IDFC FIRST Wealth Credit Card

Who is it for?

The IDFC FIRST Select Credit Card is a lifetime free offering from IDFC FIRST Bank, providing premium privileges without annual fees. It features a low 1.99% foreign currency markup and accelerated 10X reward points on dining, travel, and international transactions. Cardholders also enjoy complimentary domestic airport and railway lounge access. This card is ideal for those seeking comprehensive travel and lifestyle benefits without recurring costs.

Who is it for?

The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering a unique dynamic interest rate starting at 8.5% and a low 1.5% forex markup. It features comprehensive luxury benefits including global lounge access, complimentary golf, and a robust reward program with points that never expire, making it an ideal choice for high-income earners seeking lifestyle and travel privileges.

Pros

Key benefits and features.

Enjoy the IDFC FIRST Select Credit Card with no joining or annual fees.

Benefit from a competitive low foreign currency markup of just 1.99%.

Access complimentary domestic airport and railway lounges quarterly with this card.

Comprehensive insurance covers like air accident, personal accident, and lost card liability.

Earn reward points on unique categories like rent, education, and wallet loads, often excluded elsewhere.

Pros

Key benefits and features.

Lifetime-free credit card with no joining or annual membership charges forever.

Extremely low foreign currency markup of 1.5% for international transactions.

Interest-free cash withdrawals for up to 45 days providing excellent liquidity.

Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.

Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.

Cons

Key drawbacks and limitations.

The reward earning rate on general spending categories is considered average.

Many key benefits, including lounge access and movie offers, are now spend-based (₹20k/month).

Reward points will now expire after 24 months, a change from the previous no-expiry policy.

This card does not provide complimentary international airport lounge access.

Cons

Key drawbacks and limitations.

Low monetary value for reward points fixed at a base rate of ₹0.25 per point.

Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.

High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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