SahiChuno Cards

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IDFC FIRST Select Credit Card
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BankIDFC FIRST Bank
NetworkVisa
Joining feeNil (lifetime free)
Annual feeNil (lifetime free)
Fee waiverNot applicable, no joining or annual fee is ever charged
Welcome bonus₹500 gift voucher (Uber, Amazon or BigBasket) on spending ₹5,000 within 30 days of issuance, plus 5% cashback up to ₹1,000 on your first EMI transaction
Rewards summaryA lifetime-free Visa Signature card that earns 10 reward points per ₹200 (about 1.25% back) on dining, travel and international spends and on monthly spends above ₹20,000, with a low 1.99% forex markup and complimentary airport and railway lounge access.
Best forMid-tier users who want lounge access, low forex and lifestyle perks on a no-fee card
Rating4.1 / 5
Pros
  • Genuinely lifetime free, with no joining fee and no annual fee ever charged
  • Earns 10 RP per ₹200 (about 1.25% back) on dining, travel and international spends
  • Low 1.99% forex markup, unusually good for a card that costs nothing to hold
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