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IDFC Bank

IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

  • Joining Fee :

    Nil

  • Renewal Fee :

    Nil

  • 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.

Best suited for

Travel | Shopping

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.

Rewards & Benefits

  • 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.

  • 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.

  • 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.

  • Golf

  • 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.

  • Zero Liability Protection

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

Fees & Charges

  • Spend Based Waiver

  • NA

  • Rewards Redemption Fee

  • Rs. 99 plus taxes

  • 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

  • Nil

Live UPI withdrawals

₹20 is the minimum earnings required for withdrawal

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