Key Features & Benefits
- ✦10X Reward Points on birthday spends (all day)
- ✦10X Reward Points on monthly spends ≥₹20,000
- ✦3X Reward Points on all other eligible spends
- ✦1X on insurance, utility, fuel, rent, wallet reloads
- ✦2 complimentary domestic airport lounge visits per quarter (8/year)
- ✦4 complimentary railway lounge visits per quarter (spend-gated)
- ✦Buy 1 Get 1 movie ticket twice a month (spend-gated: ₹20K/month)
- ✦2 complimentary golf rounds per month
- ✦Zero annual fee — lifetime free
- ✦Reward Points never expire
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Welcome & Joining Benefits
- ✦Gift vouchers worth ₹500 on ₹15,000 spend in first 90 days
- ✦5% cashback on first EMI (up to ₹1,000) within 30 days
Milestone Benefits
- ✦Check IDFC FIRST Bank website for current benefits
Pros & Cons
✓ Advantages
- ✓Lifetime free with lounge access — rare combination
- ✓10X on birthday — excellent for shopping on your birthday
- ✓8 domestic lounge visits/year at zero cost
- ✓Railway lounge access — useful for frequent train travellers
- ✓Rewards never expire
✗ Disadvantages
- ✗3.5% forex — not ideal for international travel
- ✗Only 2 domestic lounge visits/quarter vs unlimited for Wealth
- ✗10X gated behind ₹20K monthly spend
Frequently Asked Questions
FIRST Select vs FIRST Wealth — which is better?
Wealth gives unlimited domestic lounge (vs 2/quarter on Select), lower forex (1.5% vs 3.5%), and more travel perks. Both are lifetime free. If your income qualifies for Wealth (₹3L/month), choose Wealth. Select works for ₹1.2L+/month earners.
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