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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.

Features

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

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Not Applicable
Foreign Transaction Fees
1.99% + GST.
1.5% (+ GST) on international transactions.
Interest Rate (APR)
From 8.5% - 46.2% per annum.
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 spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Rewards Rate
Up to 10X Reward Points on spends above ₹20,000 per month.
10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per redemption.
₹99 + GST per redemption transaction.

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge visits per quarter.
2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge Access
2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
Travel Benefits
Comprehensive travel benefits including low forex markup, roadside assistance, and railway lounge access.
1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Movie Benefits
4 complimentary movie tickets per month (up to ₹250 each) on BookMyShow.
Buy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Dining Benefits
Up to 20% discount on dining at 1500+ restaurants across India.
Up to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Golf Benefits
4 complimentary golf rounds or lessons per month.
Up to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Fuel Surcharge Waiver
1% waiver up to ₹300 per statement cycle on transactions between ₹200 & ₹5,000.
1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).

Security & Other

Insurance Benefits
Comprehensive insurance cover including Air Accident, Personal Accident, and Lost Card Liability.
₹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.
₹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 FIRST Select Credit Card from IDFC FIRST Bank is a premium, lifetime-free offering designed for discerning individuals. It provides up to 10X never-expiring reward points, a low 1.99% forex markup, and extensive travel and lifestyle benefits. Ideal for frequent domestic travelers and shoppers, this card also includes comprehensive insurance coverage and complimentary lounge access, making it a well-rounded choice for everyday and premium spends.

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 benefits of a premium credit card without any joining or annual fees.

Earn up to 10X never-expiring reward points on your spends, offering great value.

Benefit from a competitive 1.99% foreign currency markup for international transactions.

Receive 4 complimentary domestic airport lounge visits every quarter for comfortable travel.

Extensive insurance benefits provide peace of mind for travel and card security.

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.

A redemption fee of ₹99 + GST is charged for each reward point redemption.

Lacks explicit mention of complimentary international airport lounge access benefits.

The card does not appear to offer any specific welcome benefits upon joining.

Interest rates can be high, ranging from 8.5% to 46.2% per annum.

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.