IDFC FIRST Select Credit Card

Welcome Benefits

1. You will get welcome gift vouchers of Rs.500 once you spend Rs.15,000 within the first 90 days of your card being issued.
2. You will receive 5% cashback on your first EMI transaction if this is performed within the first 90 days of your card being set up.

Reward Points Benefits

1. Get 6X reward points on your online purchases.
2. Receive 10X reward points on expenses over Rs.20,000.
3. You will get 10X reward points on transactions made on your birthday.
4. Receive 3X reward points on every offline expense.
5. Get 1 reward point every time you spend Rs.100.

ATM Withdrawal Benefits

1. Enjoy interest-free cash withdrawal from ATMs in India for up to 48 days.

Entertainment Benefits

1. When you buy one movie ticket, you will get another movie ticket of up to Rs.250 for free (twice every month).
2. Get up to 15% off at 3,000 plus health and wellness outlets.

Dining Benefits

1. Get up to 20% off at more than 1,500 restaurants.

Fuel Benefits

1. You will get a fuel surcharge waiver of up to Rs.300 every month at all fuel stations in the country.

Travel Benefits

1. Enjoy free Road Side Assistance (RSA) of up to Rs.1,399.

1. Receive free domestic airport lounge access (4 visits every quarter).
2. You will get free railways lounge access (4 visits per quarter).

Insurance Benefits

1. You will receive a personal accident cover of Rs.5 lakh.
2. Get a complimentary lost card liability cover of up to Rs.50,000.

Fees and Charges of IDFC FIRST Select Credit Card

Type of Fee	Amount
Joining fee	NIL
Over limit fee	NIL
Reward redemption fee	NIL
Foreign exchange markup	1.99%
Late payment fee	15% of Total Amount Due (subject to a minimum Rs.100 and a maximum of Rs.1,000)
International and domestic cash advance fee	Rs.250

Documents Required to Apply for the IDFC FIRST Select Credit Card

You will have to submit these documents to the bank once you have qualified for the IDFC FIRST Select Credit Card:

Proof of Address	Ration Card Passport Voter ID Aadhaar Card
Identity Proof	Driving License Passport Aadhaar Card
Income Proof	Form 16 IT Returns Salary Slip

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FAQs on the IDFC FIRST Select Credit Card

• Do I have to pay any annual fee for the IDFC FIRST Select Credit Card?

  No, this card comes with no joining fee, membership fee, or annual fee.

• Will my reward points ever expire on this credit card?

  No, reward points earned on the IDFC FIRST Select Credit Card will not expire.

• Will I be asked to key in my credit card PIN at every POS terminal?

  Yes, for all transactions you make in India, you have to enter a PIN to complete these transactions. Outside India, you will have to enter the PIN only if the POS terminal has been enabled for PIN authentication.

• Is there an annual fee payment requirement for the IDFC FIRST Select Credit Card?

  No, the IDFC FIRST Select Credit Card has no joining fee or annual fee at any time, making it completely lifetime-free. Whether you want to shop, dine, travel, or for online payments, there are no recurring fees or hidden costs. 

• Can I withdraw cash from an ATM using the IDFC FIRST Select Credit Card?

  Yes, the IDFC FIRST Select Credit Card enables you to withdraw cash from domestic as well as international ATMs. Each withdrawal is charged with Rs.199 plus GST, and the card provides you with up to 45 days of credit, allowing you to withdraw cash in emergency situations. 

• Does the IDFC FIRST Select Credit Card provide airport lounge access?

  Yes. The IDFC FIRST Select Credit Card provides 2 domestic airport lounge visits in one quarter. However, for you to access this, you must have spent the minimum amount in the billing month before. You will be charged at the regular lounge rates for any additional visits or any visits that are not eligible for use. 

• Are there any benefits related to travel or insurance with the IDFC FIRST Select Credit Card?

  Yes. There are some travel and insurance benefits with the IDFC FIRST Select Credit Card. You will get benefits like Rs.10,000 trip cancellation insurance, personal and air accident insurance, lost-card liability insurance, and 24/7 roadside assistance, which make travelling and emergencies safer and easier. 

• What if I lost my IDFC FIRST Select Credit Card, will I be liable for fraud?

  You will be protected. With the IDFC FIRST Select Credit Card, lost-card liability means that if you report your card lost promptly, you are not responsible for any fraud on that card. You can feel better protecting yourself financially.  

• Is it possible to link my IDFC FIRST Select Credit Card in UPI or make digital payments?

  Yes. The IDFC FIRST Select Credit Card can be linked to UPI as a virtual RuPay card, which allows you to facilitate secure digital payments, bill payments, recharge wallets, or online shopping without carrying the card on you.