IDFC FIRST Select debit card

"Starting April 2026, Domestic Lounge benefit will be available for the quarter only if you maintain the required Average Monthly Balance (AMB) in your account for all three months of the previous quarter... The AMB maintenance criteria will be checked for each month and will not be cumulative over the quarter." (Domestic-lounge-Terms-and-Conditions.pdf). Card page footnote: "*Lounge benefit availability is subject to maintaining the required balance as per the terms and conditions of your account variant." This is a BALANCE gate, not a spend gate; the bank does not publish the AMB rupee amount in the lounge T&C - it varies by savings-account variant. No monthly/quarterly spend condition is published.

Domestic: cardholder + one accompanied companion, 2 visits each per calendar quarter (2+2); companion benefit requires the cardholder to be present. Extra guests permitted at additional cost (chargeable).

Domestic: "Visits exceeding the complimentary access quota will be chargeable by the lounge at prevailing rate and billed to the card holder. Access will be provided basis successful debit only." Every domestic entry also carries a refundable INR 2 authentication charge.

Domestic only - the Select page advertises "complimentary domestic airport lounge access" and carries no international lounge section. The bank's international lounge T&C explicitly limits complimentary LoungeKey access to "IDFC First Private and First Wealth program holders", so intl_visits is 0 for Select. Domestic T&C: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/Domestic-lounge-Terms-and-Conditions.pdf.