{
  "id": "idfc-first-bank-select",
  "locale": "hinglish",
  "name": "IDFC FIRST Bank Select Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "shopping",
  "cardTier": "premium",
  "annualFee": "₹0 (Lifetime Free / LTF)",
  "loungeAccess": "2 Dom / qtr (₹20k monthly spend gated) + 2 Railway / qtr",
  "rewardsRate": "0% Zero Forex Markup · 10X above ₹25k monthly spends · BOGO Movie up to ₹125 · Points Never Expire",
  "bestFor": "Lifetime Free holding, international spends at 0% forex, monthly spends above ₹25k, railway lounges & roadside assistance",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/select",
  "aiVerdict": {
    "score": 6.2,
    "summary": "Its lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 0.75
  },
  "affiliateId": "idfc-first-bank-select",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/select",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Lifetime Free — No annual fee forever",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 Lifetime Free"
    },
    {
      "key": "Forex Markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "key": "Top Earn Rate",
      "value": "10X (2.5%) above ₹25k"
    },
    {
      "key": "Online Spends",
      "value": "6X (1.5% return)"
    },
    {
      "key": "Movie Benefit",
      "value": "BOGO up to ₹125 (2x/mo)"
    },
    {
      "key": "Points Expiry",
      "value": "Never Expire"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends Crossing ₹25,000",
      "rate": "2.5% (10 RP / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "Online Spends (Up to ₹25,000 / month)",
      "rate": "1.5% (6 RP / ₹150)",
      "monthlyCap": "₹25,000 spend pool",
      "perLakhSpent": "6,000 RP (₹1,500 value)"
    },
    {
      "category": "International Spends (0% Forex + Rewards)",
      "rate": "0% Forex + 3X–10X RP (Upto 2.5% return)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,500 Forex Bachat + upto ₹2,500 Rewards"
    },
    {
      "category": "Offline Retail (Up to ₹25,000 / month)",
      "rate": "0.75% (3 RP / ₹150)",
      "monthlyCap": "₹25,000 spend pool",
      "perLakhSpent": "3,000 RP (₹750 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Spends Above ₹25,000 / month",
      "multiplier": "10×",
      "rate": "2.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Incremental spends pe per ₹150 pe 10 RP."
    },
    {
      "channel": "Birthday Spends",
      "multiplier": "10×",
      "rate": "2.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Birthday transactions pe per ₹150 pe 10 RP."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Credit (Direct Cashback)",
      "value": "₹0.25 / pt",
      "minPoints": "₹0 (No minimum)",
      "ceiling": "None",
      "fee": "Nil (Free redemption)",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹200–₹5,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "item": "Finance Charges",
      "value": "0.75% to 3.65% / month",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹65,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹7.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}