IDFC Bank Select Credit Card
IDFC Bank IDFC Bank

IDFC FIRST Bank Select Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: Nil

Renewal Fee: Nil

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The IDFC FIRST Select Credit Card is a premium, lifetime-free credit card. It is specifically designed for people who are looking for a mix of rewards, travel perks, and lifestyle benefits. With this credit card, you get access to complimentary airports and railway lounges. It will provide you with enhanced experience in various categories.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Benefits
  • Gift Voucher: Receive a ₹500 voucher upon spending ₹5,000 or more within 30 days of card issuance.
  • EMI Cashback: Enjoy 5% cashback (up to ₹1,000) on EMI transactions made within the first 30 days.
Reward Points Program
  • Standard Rewards: Earn 3 Reward Points for every ₹150 spent on purchases up to ₹20,000 per billing cycle.
  • Enhanced Rewards: Earn 10X Reward Points for every ₹150 spent on purchases exceeding ₹20,000 in a billing cycle.
  • Birthday Bonus: Celebrate with 10X Reward Points on all spends during your birthday month.
  • Redemption: Reward Points can be redeemed at a rate of ₹0.25 per point across various categories.
Travel Benefits
  • Airport Lounge Access: Two complimentary domestic airport lounge visits per quarter, activated upon spending ₹20,000 in the previous month.
  • Railway Lounge Access: Four complimentary visits per quarter to select railway lounges across India.
  • International Services: Discounts on fast-track immigration services at over 450 locations worldwide and limousine services for airport transfers in more than 3,000 cities across 83 countries.
Entertainment and Lifestyle
  • Movie Offers: Avail "Buy One Get One" on movie tickets up to ₹125 through the District app.
  • Dining Discounts: Enjoy up to 20% off at over 1,500 partner restaurants.
  • Health & Wellness: Receive up to 15% discount at more than 3,000 health and wellness outlets.
Insurance Benefits
  • Air Accident Cover: Coverage up to ₹1 crore.
  • Personal Accident Cover: Coverage up to ₹5 lakh.
  • Travel Insurance: Coverage up to ₹22,500 for trip cancellations and delays.
  • Lost Card Liability: Protection up to ₹50,000.
Additional Benefits
  • Fuel Surcharge Waiver: 1% waiver on fuel surcharge across all petrol pumps in India, capped at ₹300 per month.
  • Concierge Services: 24/7 assistance for booking flights, dining, and other activities.
  • Low Foreign Currency Markup: Competitive rate of 1.99% on international transactions.

IDFC FIRST Select Credit Card Eligibility:

Eligibility Criteria of IDFC FIRST Select Credit Card

  • Age: Minimum 21 years.
  • Income: Annual income of ₹12 lakh or more.

Documents Required

  • Identity Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
  • Address Proof: Aadhaar Card, Passport, Utility Bills, or Property Tax Receipt.
  • Income Proof: Recent salary slips or Income Tax Returns (ITR).

Fees and charges that apply to IDFC FIRST Select Credit Card:

Fee / Charge Amount/Rate
Annual Fee Nil
Joining Fee Nil
Interest Rate 0.75% to 3.5% per month (9% to 42% annually)
Foreign Currency Markup 1.99%
Cash Advance Fee ₹199 per transaction
Reward Redemption Fee ₹99 + GST per redemption request
Late Payment Charges 15% of the total amount due (minimum ₹100; maximum ₹1,250)
Over Limit Penalty 2.5% of the over-limit amount
Card Replacement Fee ₹100
Add-on Card Fee Nil

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

Visit the official IDFC FIRST Bank website, navigate to the Select Credit Card page, and click on "Apply Now." Fill in the required details and complete the KYC process.

No, the IDFC FIRST Select Credit Card is lifetime free with no joining or annual fees.

The card charges a 1.99% fee on international transactions.

Earn 3 Reward Points per ₹150 spent up to ₹20,000, and 10X Reward Points per ₹150 spent beyond ₹20,000 in a billing cycle.

No, the reward points earned on this card do not expire.

The card offers complimentary airport and railway lounge access, along with discounts on international fast-track immigration and airport transfer services.

Yes, a 1% fuel surcharge waiver is applicable across all petrol pumps in India, up to ₹300 per month.

The card includes air accident cover up to ₹1 crore, personal accident cover up to ₹5 lakh, travel insurance up to ₹22,500, and lost card liability up to ₹50,000.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for IDFC Select Credit Card on
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