What are the features of IDFC FIRST Select Credit Card

IDFC First Select Credit Card is a supreme rewards credit card that suits a premium lifestyle. This card offers reward programs that never expires, unlimited and easy to redeem.

Reward Program 

• 10x reward points on spends greater than Rs.20,000
• 6x reward points on all online spends
• 3x reward points on all other spends
• There is no limit on the reward points you can earn
• Your reward points never expire
• Get 10x reward points for spends made on your birthday
• 1 reward point for every Rs.100 spent. 1 reward point equals Rs.0.25

Super Saver Benefits

• Get interest-free cash withdrawal for 48 days
• No charges on over limit or add-on cards
• Lowest APR starting at 0.75% per month
• No charges on reward redemption

Joining Benefits

• Get welcome gift vouchers worth Rs.500 upon spending Rs.15000 within 90 days of card activation
• Get 5% cashback on the first EMI transaction made within 90 days of card activation

Other Privileges and Benefits

• Twice a month, you can get a buy one get one free deal on movie tickets worth up to Rs.250.
• Every month, up to Rs.300 in fuel surcharges are waived at all fuel stations across India.
• Roadside Assistance (RSA) worth Rs.1,399 is given free of charge.
• Get 50+ In-App discount offers; Up to 20% discount on 1500+ Restaurants; Up to 15% discount on 3000+ Health & Wellness Outlets
• A personal accident insurance policy worth Rs.5 lakh is available (conditions apply) along with a complimentary Rs.50,000 Lost Card Liability Cover
• Rs.22,500 Comprehensive Travel Insurance
• Entry to domestic airport lounges and railway lounges is complimentary (4 per quarter)

Fees & Charges

This is a Lifetime Free Credit Card;

• Over limit Fee - NIL
• Credit Card Interest Rate – from 0.75% to 2.99% per month
• Reward Redemption Fees – NIL
• FX Markup – 1.99%
• Late Payment Fee – 15% of Total Amount Due
• International & Domestic Cash Advance Fee- Rs.250