IDFC First Select Credit Card

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Check all the features and benefits of IDFC First Select Credit Card.
Earn thousands of reward points through this card and redeem it anytime.
It is a lifetime free credit card but you must check the charges, credit limit, and payment options.

There are a lot of people in India who are dependent on credit cards when all their income gets exhausted. On the other hand, some individuals use a credit card just to save some extra bucks with the help of Cashback and discount offers. Whatever may be the reason but credit cards are really helpful to meet out the day to day transactions. Here you can see the IDFC First Select Credit Card that has a lot of offers and deals and it is a lifetime free credit card. You will not have to pay any fee for the card and enjoy the continued services. It gives you reward points, lounge access, and many other such benefits.

Features and Benefits of IDFC First Select Credit Card

You must explore all the features of this credit card because it has a lot of reward points and Cashback offers. It will help you to improve your lifestyle and you can save some penny through it.

Welcome Benefits

Get a Gift Voucher of ₹500 as a welcome bonus only after spending ₹15000 within 90 days from the card issuance date.
Enjoy a Cashback of 5% on the first EMI Transaction converted within 90 days from the date of card issuance.

Reward Point Benefits

Earn 10X Reward Points on all the transactions that are above ₹20000.
Get 3X Reward Points on all the offline transactions.
Enjoy 6X Reward Points on all the online transactions.
Get 10X reward points on your birthday.
There is no maximum limit of earning reward points through the IDFC First Credit Card.
Your reward points will not get expired and you can redeem them anytime.
You are entitled to earn 1 reward point on spending INR 125.
The value of 1 reward point is 0.25 paisa and 1 rupee includes 4 reward points.

Other Privileges

Enjoy Buy One Get One Free Offer on movie tickets twice a month with a maximum limit of ₹250.
Enjoy 4 Complimentary Domestic Airport Visits per quarter.
Railway Lounge up to 4 every quarter on the IDFC First Select credit card.
- Merchant offers up to more than 300 throughout the year.
- Air accident coverage up to INR 1 crore.
- Incredible savings on Airport Fast Track immigration services at over 450 locations worldwide.
- Airport transfer limousine service is available in 3000 cities and 83 countries.
- Enjoy a modern and personalized self-booking experience for your dining, staycation, flights, and activities.
- Access to over 900 luxury hotels worldwide. Furthermore, they include premium benefits such as complimentary in-room Wi-Fi, complimentary continental breakfast, VIP Guest status, and many more.
- Instant EMI conversion of more than INR 2500.
- Easily transfer the balance from another bank credit card using the balance transfer feature.
Have up to 20% off at 1500+ Restaurants and 15% off at 3000+ health outlets.
Get a Fuel Surcharge waiver of up to ₹300 every month at the refilling stations.
Get a Personal Accident Cover of up to ₹5 Lacs on this card.
Enjoy a Complimentary Lost Card Liability Cover of ₹50000.
Have a Free Road Side Assistance of ₹1399.
Enjoy a Comprehensive Travel Insurance Cover of ₹22500.
Personal Accident Cover is valid only after doing 1 transaction from your credit card in the last month.

Exclusive Benefits

You can make interest-free cash withdrawals from ATMs for up to 48 days on this Credit Card.
There are no Add-on Charges.
The APR is 0.75% per month that makes 9% per annum on this credit card.

Fees and Charges of IDFC First Select Credit Card

Particulars	Charges
Card’s Joining Fees	Lifetime Free
Card’s Renewal Fees	Lifetime Free
Minimum Rate of Interest on Credit Card	0.75% per month or 9% per annum
Maximum Rate of Interest on Credit Card	3.5% per month or 42% per annum
Foreign Mark-up Fees	1.99%
Late Payment Fee	15% of the Total Amount Due with a minimum of ₹100 and a maximum of ₹1250.
International Cash Advance Fee	₹199 per transaction
Domestic Cash Advance Fee	₹199 per transaction
Fee for Reward Points Redemption	INR 99
Validity of Reward Points	Unlimited
Over Limit Charges	Either 2.5% of the over-limit amount or INR 500.

Credit Limit of IDFC First Select Credit Card

The credit limit of the IDFC First Select Credit Card is not specified. It wholly depends on your income and Cibil Score. If you have a Cibil score of 750 and above and a stable high income then you will get a high credit limit on your credit card. The bank also checks the repayment track of the individual before granting a high credit limit to the applicant.