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Idfc First Select Credit Card

IDFC First Select credit card is one of the premium and most popular cards offered by IDFC First Bank, the other popular cards being IDFC First Millennia, IDFC First Classic Credit Card, etc. The card provides a diverse range of offers and benefits to its customers. You get a welcome voucher worth Rs 500 on achieving spends of Rs. 15,000 or more. Furthermore, you also get a cashback of up to 5% on your EMI transactions. Under its reward programs, you get up to 10x Rewards on your regular spending and redeem them against a variety of options of your choice. The card provides travel benefits and privileges, such as complimentary lounge access at airports and railway stations. You also get 1+1 offers on movie ticket bookings with the PayTM mobile app. There are several other benefits, such as insurance, special discounts on dining, roadside assistance, fuel surcharge waiver, and much more.

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Grab an Idfc First Select Credit Card with just a click and get exciting rewards and offers

Note: It will not affect your score

Idfc First Select Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Vouchers worth Rs. 500 on spends of Rs. 15,000 within 90 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.

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reward and benefits +

Rewards Rate

3 Reward Points on each Rs. 125 spent offline, 6 Reward Points on each Rs. 125 spent online, and 10 Reward Points on every Rs. 125 on spends above Rs. 25,000.

Travel Airport

“Meet and Greet” at more than 450 destinations worldwide. Airport transfers and concierge service for a personalized travel experience. Access to premium services and benefits at more than 900 luxury hotels worldwide. Complimentary 4 railway lounge access per quarter.

Domestic Lounge Access

4 Complimentary Domestic Airport Lounge Access Every Quarter (16 Each Year)

Reward Redemption

1 Reward point = Re. 0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

Movie & Dining

“Buy One Get One” offer on movie tickets up to Rs. 250 while booking with the Paytm app & up to 20% discount on dining at over 1500 restaurants.

Insurance Benefits

You get an air accident cover worth Rs. 1 Crore, personal accident cover worth upto Rs 5,00,000 and a travel insurance cover worth up to Rs 22,500.

free & charges +

Interest Rates

Ranges between 0.75% to 3.5% per month based upon the credit history of the individual

Rewards Redemption Fee

Rs. 99 plus taxes

Fuel Surcharge

1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 300.

Foreign Currency Markup

1.99% of the total conversion amount

Cash Advance Charges

Rs. 199 per transaction

product details +

  • Gift vouchers worth Rs 500 and 5% cashback on EMI transactions as a welcome benefit.
    • .
  • 10x Rewards for every Rs. 125 spent on purchases above Rs. 25,000.
  • 10x RPs on every Rs 125 all spends on your birthdays.
  • 6x Reward points on every Rs 125 spent on online spendings.
  • 3x Rewards on every Rs 125 spent on offline purchases up to Rs 25,000
  • Low interest rate (0.75% – 2.99%) and low foreign currency markup (1.5%)
  • Complimentary railways and airport lounge access every quarter.
  • Air accident cover worth Rs. 1 Crore and Personal Accident Cover worth Rs 5,00,000
  • Lost card liability covers worth Rs. 50,000
  • 1% fuel surcharge waived on all fuel purchases.

pros / cons +

Pros

  • This is a lifetime free credit card without any joining or renewal charges.

Cons

  • There isn’t any complimentary international lounge access provided with this card.