IDFC FIRST Select Credit Card

  • IDFC FIRST Select Credit Card comes with complimentary airport and railway lounge access. 
  • 10X reward points on spends crossing Rs. 25,000 per month. 

IDFC First Select Credit Card is one of the bank's premium credit cards with various benefits. It is a lifetime-free credit card with low rates of interest and has the special feature of lounge access to airports and railways. Let’s discover more about this credit card here.

Key Highlights

Here are the primary highlights of this credit card-

IDFC First Select Credit Card

IDFC Select.png

Source: IDFC Bank Official Website

Suitability

Rewards and Travel

Offers

10X reward points on spending more than Rs. 25,000 in a month. 

Income Limit

Rs. 12 lakhs

Renewal Fee

Nil

Benefits and Features of IDFC First Select Credit Card

The benefits and features available on this credit card are:

Reward Point Program

  • 10X reward points on spending more than Rs. 25,000 in a month
  • 10X rewards on spending on the cardholder's birthday
  • 6X rewards points online spend more than Rs. 25,000 in a month
  • 3X reward points on offline spending more than Rs. 25,000 in a month
  • Reward points never expire and are unlimited
  • Reward points could also be used instantly to pay for online or physical purchases

Joining Rewards

  • A welcome voucher worth Rs. 500 on spends of Rs. 5,000 or more within thirty days of the issue of the card
  • 5% cashback on EMI conversions within the first 30 days of the card's issue

Movie, Online, and Dining Benefits

  • Buy one get one offer for movie tickets from the Paytm mobile application
  • 300+ merchants offer the entire year
  • Up to 15% discount on 3000+ merchants of health and wellness
  • 20% discount at 1500+ restaurants

Premium Benefits

  • Four complimentary railway lounge access
  • Cancellation insurance of up to Rs. 10,000
  • Airport Meet and Greet
  • Fast Track immigration services worldwide
  • Airport transfers across 83 countries
  • Luxury Hotel collections with premium benefits

Mastercard Benefits

  • Airport pick-up and drop-through Limo car services
  • Airport meet and greet services

Golf Benefits

  • Four complimentary golf rounds
  • Twelve complimentary golf lessons in a year

Insurance and Other Benefits

  • Complimentary roadside assistance
  • There is a Fuel surcharge discount of up to 1% at fuel stations
  • Flight accident insurance coverage of up to Rs. 1 crore
  • Personal accident cover of up to Rs. 5,00,000
  • Lost card liability of up to Rs. 50,000
  • Travel insurance of up to Rs. 22,500

Convenience Benefits

  • You can convert transactions of more than Rs. 2,500 to easy EMIs
  • Easy balance transfers

Annual Fee and Charges of IDFC Select credit card

The annual fees and renewal charges for this credit card are Nil.

Late Payment Fee Applicable

The late payment charge of this card is 15% of the total amount due.

Eligibility Criteria to Apply for the IDFC Select Credit Card

The eligibility to get this credit card is as follows:

Age

21+ Years

Income

More than Rs. 12 lakhs per annum

Documents Required to Apply

You need the below-mentioned documents to apply for this card:

  • ID Proof - PAN, Aadhaar, Residence ID or Passport
  • Income Proof - Salary slip, or ITR
  • Address Proof - Aadhaar, Passport, Utility bills, or Tax receipt

How to Apply for IDFC Select Credit Card

You can instantly apply for this credit card through the steps mentioned below:

Step 1: Navigate to https://www.idfcfirstbank.com/credit-card/select, the official credit card page. 

Step 2: Go through all the terms and conditions of the card. 

Step 3: Look for the Apply Now option and click on it. 

Step 4: Fill in the application and complete KYC. 

A representative of the bank will call you back after verifying your documents for further processing.

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