IDFC FIRST Select Credit Card

Joining Fee: Nil
Renewal Fee: Nil
Best Suited For: Travel | Shopping
Reward Type: Reward Points
Welcome Benefites: 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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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. Read further to learn more about the IDFC First Select credit card below.

New Features

Spend Based Waiver

Interest Rates

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

Add-on Card Fee

Nil

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

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.

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.

International Lounge Access

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.

Golf

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.

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.

Domestic Lounge Access

4 complimentary domestic airport lounge visits.

Zero Liability Protection

You get a zero liability protection cover worth Rs 50,000 against any fraudulent transactions reported within the stipulated time.

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.

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