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IDFC FIRST Select Credit Card vs SBI Card MILES

Honest side-by-side comparison of IDFC FIRST Select Credit Card, SBI Card MILES — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

IDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI Card MILES

SBI Card

Your adjusted comparison

Feature
IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI Card MILES credit card

SBI Card MILES

SBI Card

Fees & eligibility
Annual feeLifetime free₹1,499
Fee waiver thresholdLifetime freeWaived at ₹3,00,000/yr spend
Min income₹30,000/mo₹35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹1,020/yr
Travel—₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)
Top reward rate3X reward pointsAccelerated travel points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · RentFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹2,000

Stack mode (hold both)

Cap-aware split: ~₹1,681/yr combined NAV (₹300 vs best solo). Both annual fees apply.

IDFC FIRST Select Credit Card details →SBI Card MILES details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST Select Credit Card leads SBI Card MILES by about ₹361/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

IDFC FIRST Select Credit Card vs SBI Card MILES comparison table
FeatureIDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI Card MILES

SBI Card

Fees & eligibility
Annual feeLifetime free₹1,499
Fee waiver thresholdLifetime freeWaived at ₹3,00,000/yr spend
Min income₹30,000/mo₹35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹1,020/yr
Travel—₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)
Top reward rate3X reward pointsAccelerated travel points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · RentFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹2,000

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
IDFC FIRST Select Credit Card leads with an estimated ₹1,381/yr net annual value on moderate spend.
Which card has the lower income requirement?
IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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