Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans
The only FASTag with triple benefits
Experience what a premium card can really do. Enjoy a superior rewards program, travel perks & round-the-year offers, no unnecessary fees and lowest interest rates.
Unlimited Reward points that never expire
Use Reward points to instantly pay for online or in-store purchases
No fees for redeeming Reward points
1X = 1 Reward point per ₹100 spent | 1 Reward point = ₹0.25
Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
Welcome voucher worth ₹ 500 on spending ₹ 1 5,000 or more within 90 days of card issuance
5% cashback on the transaction value for your first EMI transaction within the first 90 days of card issuance (no upper cap on cashback amount)
'Buy one, get one' offer on movie tickets up to ₹ 250 on Paytm mobile app (valid twice per month)
50+ in-App discount offers | Up to 20% discount at 1500+ restaurants |
Up to 15% discount at 3000+ Health & Wellness outlets
4 complimentary Domestic airport lounge visits per quarter
4 complimentary Railway lounge visits per quarter
Complimentary Roadside Assistance worth ₹ 1,399
Fuel surcharge waiver of 1%, at all fuel stations across India,up to ₹ 300/month
Air Accident Cover of ₹ 1 crore*
Personal Accident Cover of ₹ 5,00,000* and Lost Card Liability Cover of ₹ 50,000
Comprehensive Travel Insurance Cover of ₹ 22,500#
*valid on doing atleast one transaction on FIRST Select Credit Card in last 30 days
#Loss of Checked-In Baggage - ₹ 7,500; Delay of Checked-In Baggage ₹ 5,000;
Loss of Passport and other documents - ₹ 5,000; Delay of Flight - ₹ 5,000
Convert all transactions* above ₹ 2,500 into easy & convenient EMIs from your mobile app
Instant EMI conversion for all online transactions* above ₹ 2,500 on the bank’s OTP page
Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*
*Eligibility norms apply
LIFETIME FREE Select Credit Card
Over limit Fee – NIL
FIRST Select 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 (subject to Min ₹100 and Max up to ₹1,000)
International & Domestic Cash Advance Fee – ₹250
· Applicant must be aged 21 yrs. or above in order to apply for an IDFC FIRST Bank Credit Card
Indian Resident & Sourcing Locations:
· Applicant must qualify as an Indian resident and have a current and permanent residential address within India
· IDFC FIRST Banks maintains a set of cities which are allowed for sourcing
Credit Bureau History
· Applicant is expected to have a good credit bureau score and no evidence / history of defaulting on loans or missing payments on loans or credit cards
· Credit Bureau Score is an indicator of how likely a customer is to repay outstanding bills on time
· As applicable for different card variants offered by IDFC FIRST Bank
· Minimum Net Monthly Income = ₹25,000 (subject to change)
Internal Policy Criteria
· Bank runs certain internal policy criteria to select a customer for issuing credit cards
· Internal Policy criteria are based on bureau history, any existing Bank relationship, customer demographics, and credit exposure
· The Bank reserves the right to issue a Credit Card to the applicant basis an assessment of his / her credentials. The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above criteria
There is no joining/membership/annual fee applicable on any of the IDFC FIRST Bank Select Credit Cards.
You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at idfcfirstrewards.poshvine.com.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card. You can use your reward points as and when you like without the fear of losing them.
IDFC FIRST Bank Select Credit Cards are loaded with a host of select card benefits, offers & features. Some of them are listed below and may be applicable as per the card variant available with you:
• Lifestyle benefits – Discounts on shopping, dining and movies, complimentary round of golf every month, among others.
• Travel benefits – Complimentary airport lounge access.
• Other benefits – Various in-app online discounts, reward programs, discounts on health and wellness outlets, and so on.
IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 36% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.
Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 48 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only ₹250 is applicable per transaction, irrespective of where you are or the amount you withdraw.
Mobile Banking App
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
Your FIRST Select Credit Card enables you to earn up to 10X rewards every month. Here’s how;
• For every Rs. 100 spent by swiping the FIRST Select Credit Card, you will earn 3 reward points
• For every Rs. 100 spent on any purchases made online, you will earn 6 reward points
• And you will earn 10 reward points for all spends done over and above Rs 20,000
• Additionally, your birthday’s are just as special for us as they are for you. With IDFC FIRST Select Credit Card you earn 10 reward points on every Rs. 100 spent on your birthday.
All this and still the BEST PART is yet to come.
The reward points NEVER EXPIRE
All your REWARD REDEMPTIONS are FREE
Moreover, you can choose to DIRECTLY PAY USING REWARD POINTS at any shopping site and at select merchant outlets.
Enjoy the privilege of owning the best rewards credit card out there!
*Reward Points earning and 10X threshold not applicable for Fuel, EMI, Insurance transactions and Cash Withdrawals.