Key Highlights of IDFC Bank First Select Credit Card

Axis Bank My Zone Credit Card
Best Suited for  Rewards and Online Shopping
Joining Fee Nil (Lifetime Free Credit Card)
Annual Fee Nil (Lifetime Free Credit Card)
Welcome Benefits Gift vouchers worth Rs. 500 and 5% cashback on the first EMI transaction.
Best Feature Up to 10X Reward Points that never expire
The Money Fair Rating ★★★(3/5)

Features:

  • Zero Annual Fee: IDFC Bank First Select Credit Card comes with zero annual fee, which makes it a great value-for-money proposition.
  • Reward Points: The card offers 1 reward point for every Rs. 100 spent on shopping, dining, and entertainment. These reward points can be redeemed for cashback, discount vouchers, etc.
  • Easy Cash Withdrawal: With IDFC Bank First Select Credit Card, you can easily withdraw cash from any ATM in India.
  • Low Interest Rate: The card offers a low interest rate of 1.99% per month on purchases made with the card.
  • Flexible Payment Options: You can choose from various flexible payment options such as EMI, Auto-Debit, etc. to pay for purchases or outstanding credit card balance.
  • Flexible Credit Limit: You can choose from various flexible credit limit options to suit your needs.

Benefits:

With this credit card, you can get 40% off on food delivery at Swiggy. Below mentioned are the offer details:

  • Zero annual fees: The IDFC Bank First Select Credit Card comes with no annual fees. This means that you can use the card without paying any additional amount.
  • Cashback: You can get a cashback of up to 10% on your shopping at select partner stores. You can also get 1% cashback on all other transactions.
  • Reward points: You can earn reward points on all your spending and redeem them for a range of rewards, including gift cards, airline tickets, and much more.
  • Low interest rate: The IDFC Bank First Select Credit Card comes with a low interest rate of only 1.99%. This makes it an attractive option for those who want to make their purchases without paying too much interest.
  • Flexible payment: The card also comes with a flexible payment option. You can choose to pay your entire bill in one easy payment, or you can spread it out over multiple payments.

Credit Card Ho Toh Aisa!

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IDFC Bank First Select Credit: Fees & Charges

The fees and charges applicable to IDFC Bank First Select Credit Card are mentioned below:

Type of Fee/ Charge Amount

Joining Fee

NIL

Annual/ Renewal Fee

NIL

Finance Charges

starting at 0.75% p.m. (9% annually)

Late Payment Fee

15% of Total Amount Due (subject to Min Rs. 100 and Max up to Rs. 1,250)

It is ultimately up to you to decide if IDFC Bank First Select Credit Card is the right card for you. You should consider the features and benefits of the card, as well as the fees, interest rate, and rewards program, to determine if it is the right choice for you. Additionally, you should consider other credit card options to compare and contrast with IDFC Bank First Select Credit Card.

It depends on your individual needs and preferences. IDFC Bank First Select Credit Card offers a range of features and benefits, such as cashback, rewards, and discounts. However, before deciding to apply for any credit card, it is important to compare the features and benefits offered by other credit card providers and determine which one best suits your needs.

Q.  What is the eligibility criteria to receive the welcome benefit e-voucher?

A. The eligibility criteria to receive the welcome benefit e-voucher vary depending on the specific offer. Generally, customers must be new to the program, have a valid email address, and meet the minimum spend requirement associated with the offer.

Q. Where will I receive my welcome voucher?

A. Your welcome voucher will be sent to your email address. You may also find it in your account's "My Vouchers" page.

Q. What is the validity of the welcome voucher?

A. The validity of the welcome voucher typically depends on the specific offer. Check the terms and conditions of the voucher for more information.

Q. When would I receive the SC Points earned on achieving the milestone benefits?

A. The SC Points earned on achieving milestone benefits will be credited to your SC Points wallet within 10 working days of meeting the criteria.