What are the annual charges for the IDFC Select credit card?

There are no charges annually or on renewal of the card; it is free for a lifetime.

What income do I need to have to apply for the IDFC Bank Select Credit Card?

You need to earn more than Rs. 12 lakhs per annum.

How to apply for the IDFC Bank Select credit card?

You could easily apply for a credit card via the official portal or even visit one of the nearest branches.

What are the late EMI payment charges for the credit card?

The late payment charges are 15% of the entire amount due.

What is the credit limit of the IDFC Bank Select credit card?

The credit limit is subject to change for each individual based on their credit reports and income.

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 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.

Similar Credit Cards

Credit Card Name	Characteristics
HDFC Bank Diners Club Black Credit Card	Offers complimentary yearly subscription to Forbes, Club Mahindra, and other top brands.
HDFC Bank Infinia Credit Card Metal	Complimentary club Marriott membership in a year.
American Express Platinum Credit Card	Rs. 45,000 worth of coupons from Taj, Vivanta, and more.

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