IDFC FIRST Bank
IDFC FIRST Bank Select Credit Card
Annual Fee
FREE
Base Reward
1% cashback|points
Foreign Markup
1.99%
Welcome Benefits
Gift voucher worth ₹500 after spending ₹5,000 or more within 30 days of card issuance.
Product Highlights
- Lifetime free
- 10x Reward Points on birthday spending
- Concierge Services available 24/7
Category Rewards
shopping
5% CashBack on EMI transactions
5%
other
10x Reward Points on purchases above ₹20,000
10%
Rewards Details
5% cashback up to ₹1,000 on EMI transactions within the first 30 days. 10x Reward Points for every ₹150 spent on purchases above ₹20,000. 10x Reward points on crossing ₹20,000 in a statement cycle on your birthday. 3x Reward Points for every ₹150 spent up to ₹20,000. 1X Reward Point on utility bills and insurance premium payments.
Redemption
1 CashPoint = ₹0.25 against statement.
Benefits & Features
Domestic: 2 free Domestic airport lounge visits per quarter. (On spending ₹20,000 every month.) Full lounge access description not provided.
Pros & Cons
Pros
- 1% Fuel surcharge waiver
- 24/7 concierge service
- Personal Accident cover of ₹5,00,000
- Low forex markup fee of 1.99%
- 10X reward points on purchases above ₹25,000
Cons
- No reward points on Fuel & EMI transactions
- Gold and Jewellery linked transaction is not permitted for EMI conversion
- High-interest rate from 9% to 42%
- Limited acceptance in remote areas
Additional Info
No annual fee
Reward points do not expire
Excluded Categories
Partner Merchants
Fees & Charges
Eligibility
Min Age
18 yrs
Networks