IDFC FIRST Select Credit Card

9.4
Expert ScoreRead review
  • 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.

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IDFC FIRST Select Credit Card

9.4
Expert ScoreRead review
  • 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.
Category:
Reward Type
Reward Points
Renewal Fee
Nil
Joining Fee
Nil
Type of Card
Shopping
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.

USP of Card

  • 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.

Fees & Charges

Spend Based Waiver
NA
Interest Rates
Ranges between 0.75% to 3.5% per month based upon the credit history of the individual
Cash Advance Charges
1.99% of the conversion amount (plus applicable taxes)
Rewards Redemption Fee
Rs 99 per redemption request (plus applicable taxes)
Fuel Surcharge
1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 300.
Foreign Currency Markup
Rs. 199
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
“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.
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.
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.
Travel
6x Reward points on every Rs 125 spent on online spendings.
Online Shopping offers
10x Rewards for every Rs. 125 spent on purchases above Rs. 25,000.
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.
Domestic Lounge Access
4 complimentary domestic airport lounge visits.
International Lounge Access
NA
9.4Expert Score
  • 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.
Best values score
9.4
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.
9.4Expert Score
  • 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.
Best values score
9.4
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.

Specification: IDFC FIRST Select Credit Card

Bank Name

IDFC FIRST BANK

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card

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