<!--- This option cannot be select and this will be default option too. -->
<option selected="true" disabled="disabled">Select a Option</option>
<!-- Here is a example : -->
<label for="payment">Choose a Type :</label>
<select name="payment" required>
<option selected="true" disabled="disabled">Select a Option</option>
<option value="recharge">Recharge</option>
<option value="withdraw">Withdraw</option>
</select>