FIRST Select Card Overview
Your Premium Life made more rewarding with up to 10X rewards on spends greater than ₹20,000, 6X rewards on all online spends, 3X rewards on all other spends. Travel hassle free with lower forex markup at 1.99%, domestic and railway lounge access, road side assistance and travel insurance. read more
BENEFITS & PRIVILEGES
Now, your Credit Card reward points* are
Never Expiring | Unlimited | Easy to redeem
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10X Reward Points on all Spends above ₹20,000
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6X Reward Points on Online Spends
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3X Reward Points on all Offline Spends
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Your reward points are not capped and they don’t expire, ever !
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10X Rewards on all spends done on your Birthday
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1X = 1 Reward Point per ₹100 spent | 1 Reward Point = ₹0.25
*Reward Points earning and 10X threshold not applicable for Fuel, EMI, Insurance transactions and Cash Withdrawals
BENEFITS & PRIVILEGES
Super Saver Benefits
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Interest free cash withdrawal from ATMs for upto 48 days
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Low Interest Rate (% APR), starting at 0.75% p.m. (9% annually)
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NIL Overlimit fees, NIL Addon charges
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NIL Reward redemption fees
BENEFITS & PRIVILEGES
Joining Benefits
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Welcome Gift Vouchers worth ₹500 on spending ₹15,000 within 90 days of card set-up
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Get 5% cashback on first EMI transaction performed within 90 days of card set-up.
BENEFITS & PRIVILEGES
Privileges
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Buy one get one offer on movie tickets of up to ₹250 per ticket, twice every month
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Fuel surcharge waiver at all fuel stations across India up to ₹300 every month
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Free Road Side Assistance(RSA) worth ₹1,399
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50+ In-App discount offers | Upto 20% discount on 1500+ Restaurants | Upto 15% discount on 3000+ Health & Wellness Outlets
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Personal Accident Cover of ₹5 Lakh * & Complimentary Lost Card Liability Cover of ₹ 50,000
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Comprehensive Travel Insurance Cover of ₹22,500#
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Complimentary Domestic Airport lounge & Railway Lounge accesses ( 4 each per quarter)
To know the details and key terms, Click Here
*On doing at least 1 transaction in the previous month
#Loss of Checked-In Baggage - INR 7,500; Delay of Checked-In Baggage INR 5,000; Loss of Passport and other documents - INR 5,000; Delay in Flight- INR 5,000
This Credit Card is given free to you for life!
Fees & Charges
- 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 (subject to Min ₹100 and Max up to ₹1,000)
- International & Domestic Cash Advance Fee- ₹250
Frequently asked questions
Is there a Joining/Membership/Annual fee on IDFC FIRST Bank Credit Cards?
There is No Joining/Membership/Annual fee applicable on any of the IDFC FIRST Bank Credit Cards
What are the current offers available on IDFC FIRST Bank credit cards?
IDFC FIRST Bank Bank Credit Cards are loaded with a host of benefits, offers & features.
Some of them are listed below and will be applicable as per card variant available with you:
Lifestyle benefits – Discounts on shopping, dining & movies, complimentary round of golf every month, etc.
Travel benefits – Complimentary airport lounge access.
Other benefits – various in-app online discounts, discounts on health and wellness outlets, etc.
Is there an expiry date on the reward points accrued on my card?
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card
