Saifu

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FIRST Wealth vs FIRST Select

Both have the same annual fee, Free. For spends abroad, FIRST Select charges the lower forex markup (0% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

FeatureFIRST WealthIDFC FIRST1 winFIRST SelectIDFC FIRST1 win
Annual feeFreeFree
Joining feeFreeFree
Fee waiverNo fee to waiveNo fee to waive
Rewards3X reward points on eligible spends; 10X on dining, travel and international spends; 1X = 1 reward point per ₹20010X reward points on dining, travel and international spends; 3X on eligible spends; 1X = 1 reward point per ₹200
Airport loungesMore1 a quarter domestic, 1 a quarter international1 a quarter domestic
Forex markup1.5% plus GSTLower0% plus GST
PointsReward Points, about ₹0.25 a pointReward Points, about ₹0.25 a point
Published minimum income and ageSalaried ₹36,00,000 a year, self-employed ₹36,00,000 a yearSalaried ₹12,00,000 a year, self-employed ₹12,00,000 a year
NetworkVisaNot listed
ApplyBank pageBank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Add a third cardFIRST WealthFIRST Select

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