IDFC FIRST Select Credit Card Review

The IDFC FIRST Select Credit Card is a credit card from IDFC Bank. There is no Joining or Membership fee applicable on this card. Experience the premium card, and enjoy a superior rewards program, travel perks & round-the-year offers, no unnecessary fees, and the lowest interest rates.

IDFC FIRST Select Credit Card Benefits & Features

The card offers several benefits that make it stand out from other credit cards. It offers free airport lounge access and concierge service, which are not available on most credit cards in India. The card also comes with Insurance and Road Assistance benefits.

Reward Benefits

• 10X Reward Points on incremental spends above ₹20,000 per month
• 10X Reward Points on your Birthday
• 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
• Unlimited Reward points that never expire
  

Welcome Benefits

• Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
• 5% cashback on the transaction value for first EMI transaction within the first 90 days of card issuance
  

Fuel Surcharge Waiver

• 1%, at all fuel stations across India, up to ₹ 3oo/month

Lounge access

• 4 complimentary Railway lounge visits per quarter
• 4 complimentary Domestic airport lounge visits per quarter

Insurance and Road Assistance Benefits

• Travel Insurance Cover of ₹ 22,500
• Air Accident Cover of  ₹ 1 crore
• Personal Accident Cover of ₹ 5 lakhs
• Lost Card Liability Cover of ₹ 50,000

Extra Benefits

• 25% discount on movie tickets up to ₹ 250 on Paytm mobile app (valid once per month)
• 50+ in-App discount offers
• Up to 20% discount at 1500+ restaurants
• Up to 15% discount at 3000+ Health & Wellness outlets

IDFC FIRST Select Credit Card Eligibility

• Primary cardholder should be at least 18 years old
• Salaried or self-employed both are eligible
• Credit score must be 700 and above
• Applicant should be a resident of India

Necessary Documents for IDFC FIRST Select Card Application

The following documents are required for apply this card.

• PAN card
• Latest salary slips/ Bank statement/ IT Returns/ copy as proof of income
• Residence proof -any one of the following:

1. Passport
2. Driving License
3. Voter ID Card
4. Aadhaar card

• Identity proof- any one of the following:

1. Passport
2. Driving license
3. Voter ID Card
4. Aadhaar card
5. PAN card

IDFC FIRST Select Credit Card Charges & Fees

Type of Charge	Charges
Joining / Annual Fee	NIL
Over Limit Fee	NIL
Reward Redemption Fee	NIL
Interest Rate / Finance Charges	0.75% per month, (9% annually)
Foreign Currency Markup Fee	1.99%
Late Payment Fee	15% of Total Amount Due (subject to Min Rs. 100 and Max up to Rs. 1,000)
International & Domestic Cash Advance Fee	Rs. 250
Return of cheque/Auto Debit/ Payment Return	Rs. 250 per Returned cheque/Auto Debit/ Payment Return