Axis Reserve vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
Winner
Axis Reserve
Axis Bank
Super PremiumVS
IDFC FIRST Select
IDFC FIRST Bank
Mid-RangeAnnual Fee
₹50K vs FREE
Effective Rate
(cash value)
6.3% vs 0.8%
Lounge Access
Unlimited vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | Axis Reserve | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹50K | FREE |
| Annual Fee | ₹50K | FREE |
| Fee Waiver | None | None |
| Forex Markup | 1.5% | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 6.25% | 0.75% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | - | ₹12.0L |
Axis Reserve is Best For
Ultra HNI invite-only customers
Watch Out
- • ₹50K annual fee
- • Invite-only
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
Axis Reserve wins!
Score: 111vsScore: 41
