IDFC FIRST Select Credit Card Review Apply Online

IDFC First Select Credit Card Features and Benefits

The IDFC First Select Credit Card is one of the well-known offerings of the bank and has become a choice for thousands of people very soon after its launch. It comes with great privileges across different categories, including rewards, dining, entertainment, travel, and many more. Some of its most significant benefits and features are as follows:

Welcome Benefits

• You get a gift voucher worth ₹500 as an introductory benefit on spending ₹5,000 or above within 30 days of card issuance.
• Also, you get a 5% cashback on EMI transactions up to ₹1,000 within 30 days of card issuance using this credit card.

Travel Benefits

• Get free airport meet and greet with discounts on fast-track immigration and other services at more than 450 global destinations.
• Great discounts on Airport limousine service in more than 3000 cities in over 80 countries.
• Concierge service to help you book your flights, hotels, dining, and other experiences.
• Access to more than 900 hotels worldwide with luxury benefits like room upgrades, in-room WiFi, VIP status, continental breakfast, 3 PM check out, etc.
• You get up to 2 free lounge visits per quarter at selected domestic airports across India. You would need to spend ₹20,000 in a month to be eligible for airport lounge access.
• You get 4 complimentary railway lounge access every quarter.
• Complimentary roadside assistance worth ₹1,399.

Movie & Dining Benefits

• You get a Buy 1 Get 1 offer on movie ticket booking up to Rs. 125 on PayTM mobile app using your IDFC First Select credit card, twice every month.
• You get a discount of up to 20% on dining across 1500+ participating restaurants.

Insurance Benefits

IDFC First Bank Select credit card comes with a host of insurance benefits for the customers.

Low Forex Markup fee

With this card, you can save on your international transactions as it charges the lowest forex markup fee of 1.99% only.

Fuel Surcharge Waiver

You get a 1% surcharge waiver on your fuel transactions at all petrol pumps across India. You can get a maximum discount of Rs 300.

IDFC First Select Credit Card Rewards

With your IDFC First Select credit card, you can get accelerated reward points on your spending. However, no reward points get accrued on fuel transactions, EMI transactions, or cash withdrawals.

• 10x Reward Points for every ₹150 spent on purchases above ₹20,000
• You earn up to 10x Reward points on every ₹150 spent on your birthday
• 3x Reward Points/₹150 Spent ₹20,000
• 1X Reward Points on utility bills and insurance premium payments

1x Reward Point/Per Rs. 125 Spent.

Reward Redemption

• You can redeem the reward points accumulated across a variety of redemption options at the Poshvine reward portal or exclusive merchant stores.
• 1 Reward point accumulated is equivalent to Rs 0.25 for redemption.
• The reward points accumulated on this credit card do not expire and can be carried forward from the previous year.
• You have to pay a small reward redemption fee of Rs. 99 plus taxes.

IDFC First Select Credit Card Fees and Charges

There are various fees and charges associated with the IDFC First Select Credit Card. Some of the important ones are as follows:

• The IDFC First Select Credit Card comes with zero joining and annual fee, i.e, it is a lifetime free credit card.
• The interest rate on this credit card is 0.75% to 3.5% per month.
• The foreign currency markup fee on the IDFC First Select Credit Card is 1.99% of the total transaction amount.
• The cash advance fee on this credit card is Rs. 199 per transaction.

IDFC FIRST Select Credit Card Eligibility Criteria

The eligibility requirements that need to be fulfilled in order to get approved for the IDFC First Select Credit Card are as follows:

• The minimum eligible age required for this credit card is 21 years.
• The applicant should either be salaried or self-employed with an annual income of Rs. 12 Lakh or more.
• The applicant should have a decent credit score.

How To Apply For The IDFC First Select Credit Card?

You can apply for the IDFC First Select Credit Card online as well as offline at your convenience. To apply offline, visit your nearest IDFC First Bank branch with all the required documents and apply for the card by filling out the physical application form. To apply online-

• Click “Apply Now” and proceed further by filling in all the required details.

IDFC First Select Credit Card Review

IDFC First Select credit card comes with a host of benefits and privileges on your spending. You can earn up to 10x accelerated reward points on your credit card spends, and these reward points accumulated can be redeemed across multiple redemption options. Like all IDFC First Select credit cards, the reward points earned can not expire and can be carried forward to another year. You get a reward rate of Rs 0.25 on your spending. Besides that, you get a lifetime membership free on this card which is another value-added benefit of this card.

What do you think about this IDFC First Select credit card? Do let us know in the comments below.