Allow me please a somewhat longer introduction to reference frames.
(At least, as I understand)
Everything starts with the intuitive idea of distance. This comes from the intuitive experience, that there exist rigid bodies. A rigid body is something, for which: between any two point of it there is a constant distance.
Now having the idea of distance, we can determine spatial location of (pointlike) bodies.
That means: spatial location of anything can only be determined relative to other bodies, using one selected body as unit distance. of course, this position can be a function of time, than we talk about motion. That means: motion can only be defined relative to a rigid bodies.
The reference frame is a generalization of the rigid body. It does not have to be made of real body, the only important characteristics of the ref. frame is that there can be measured distance in it, and between any two points of the frame there is a constant distance.
At first a ref frame is fixed to some rigid body, or to a set of bodies with non-changing distance between them. I would call this: material ref. frame. But, any ref. frame can be used to describe spatial locaion can be used, which has given motion to material ref. frames. E.g. the ref frame fixed to the center of gravity of some bodies (and not to any of them) is widely used in mechanics.
It has been turned out, that there exist ref. frames, in which Newtons 1st law applies. These are called inertial ref frames.
If there is one, there is uncountable many.
If there is not any inertial frame, than a good approximation can be given by limiting space and time to a small section.
So: to decide, wheter a ref frame is inertia or not, you have to check Newton's 1st law.
sorry for the long text: mutant