IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card
Joining Fees
Renewal Fees
Best Suited For
Reward Type
Welcome Benefit
Nil
Nil
Travel | Shopping
Reward Points
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.
Rewards and Benefits
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.
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.
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.
Zero Liability Protection
You get a zero liability protection cover worth Rs 50,000 against any fraudulent transactions reported within the stipulated time.
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.
Fuel
NA
Domestic Lounge Access
4 Complimentary Domestic Airport Lounge Access Every Quarter (16 Each Year)
International Lounge Access
NA
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.
Fees & Charges
Joining Fees
Nil
Annual Fees
Nil
Spend Based Waiver
NA
Rewards Redemption Fee
Rs. 99 plus taxes
Foreign Currency Markup
1.99% of the total conversion amount
Interest Rates
Ranges between 0.75% to 3.5% per month based upon the credit history of the individual
Fuel Surcharge
1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 300.
Cash Advance Charges
Rs. 199 per transaction
Add-on Card Fee
NA
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 or 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.
Cashback
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Charges
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Advantage
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Drawbacks
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How to Apply
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Eligibility Criteria
- Age of 18 and 70 years.
- Resident of India or a Non-Resident Indian
Document Required
- Color photograph
- Identity Proof (Aadhaar Card / Driving License / Passport)
- PAN Card
- Residence Proof (Ration Card / Electricity Bill / Telephone Bill / Passport)
- Proof of income (latest Pay Slip / Form 16 / IT return Copy)
Card Limit
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Application Status
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Card Login
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Card Pin Generation
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Card Review
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FAQ
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