<!--- 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>