Can I avail interest-free cash withdrawals with the IDFC FIRST Select Credit Card?

Yes, you can enjoy interest-free cash withdrawals from ATMs for up to 45 days. After that, a one-time cash withdrawal fee of ₹199 plus GST will apply.

What is the difference between the IDFC FIRST Wealth and the FIRST Select Credit Card?

While both cards offer premium services and lifetime free access, the Wealth Credit Card requires a higher income eligibility of ₹36 lakh per annum. On the other hand, the Select Credit Card has a lower income threshold of ₹12 lakh per annum.

What is the credit limit of the IDFC FIRST Select Credit Card?

The credit limit differs significantly depending on the applicant's credit history and income.

Will my accrued reward points on this credit card ever expire?

No, there is no expiry date for the reward points you earned through your IDFC FIRST Select Credit Card.

Does IDFC FIRST Select Credit Card support UPI transactions?

Yes, IDFC FIRST Bank Select Credit Card supports UPI transactions. You need to activate this facility with just ₹199.

IDFC First Select Credit Card: Benefits, Rewards and How to Apply

Name: IDFC First Select Credit Card
Brand: Credit Card
Rating: 4.7 (11367 reviews)

Can you imagine 'Lifetime free access', 'Low interest rates', 'Up to 10X rewards on your birthday spends' and 'Air accident coverage of ₹1 crore' - all benefits in one card? You can apply for the IDFC FIRST Select Credit Card now, get all the benefits and celebrate every milestone with your loved ones.

And the best part: no joining and annual fee, putting all the convenience right at your fingertips. Explore the card benefits and make every moment count!

IDFC FIRST Select Credit Card Benefits

IDFC FIRST Select credit card offers a host of benefits including gift vouchers for shopping, movie ticket benefits, airport lounge access and a lot more. Check out the list below for a complete breakdown of benefits.

Exclusive Welcome Benefits

₹500 gift voucher from brands like Amazon, BigBasket, Uber and Lifestyle on spending ₹5,000.
Up to ₹1,000 cashback on your first EMI within 30 days of card generation.

Movie Ticket Benefits

Enjoy our ‘Buy One, Get One’ movie offer, up to ₹125 off, twice every month.
Buy 1 ticket on the Paytm app and enjoy up to ₹250 off on the 2nd movie ticket. Avail this offer to get 2 free tickets every month.

Complimentary Airport Lounge Access

Enjoy up to 4 domestic airport lounge visits every quarter.
Avail the chance to spend a minimum of ₹20,000 in one month to unlock lounge access for the next month.

Complimentary Railway Lounge Access

Get 4 railway lounge access every 3 months with the IDFC FIRST Select Credit Card.
2 hours of lounge stay with comfortable AC seating, 1 Buffet meal, unlimited tea and coffee, free Wi-Fi, and unlimited access to newspapers and magazines.

Travel Insurance Benefits

Get ₹1 crore air accident coverage and ₹5 lakh personal accident coverage.
Receive ₹50,000 lost card liability coverage.

Roadside Assistance

24/7 complimentary roadside assistance during car or two-wheeler emergencies across India.
Get this up to 4 times in a year, worth ₹1,399.

If you often travel by car or two-wheelers and need a credit card that offers a fuel surcharge waiver, or make frequent UPI transactions, the RuPay Select Credit Card from Stable Money is the perfect fit for you.

IDFC FIRST Select Credit Card Rewards Program

10X reward points on both offline and online transactions above ₹20,000 within a billing cycle.
3X reward points on online shopping of up to ₹20,000 in each statement cycle.
3X reward points on purchases for education purposes, availing government services and wallet loads.
1X reward points on utility bill payments and insurance premium payments.
3X = 3 reward points accumulated on each ₹150 spent

How to Apply for IDFC FIRST Select Credit Card?

Step 1: Visit the official <a href="https://www.idfcfirstbank.com/credit-card/select" target="_blank" rel="nofollow noopener noreferrer">IDFC FIRST Bank Portal</a> to apply for this card.
Step 2: Click on the ‘Apply Now’ button placed in the menu bar.
Step 3: Fill the online form, including name, date of birth, and mobile number, as per your Aadhaar.
Step 4: Hit the ‘Get OTP’ button placed at the bottom of the online form.
Step 5: Enter the OTP and click on 'Continue' to proceed.

IDFC FIRST Select Credit Card Fees and Charges

Particulars	Charges
Joining and Annual Fee	Nil
Finance Charges	0.75% to 3.65% for each month, or 9% to 43.8% per year
Late Payment Fee	15% of your outstanding amount, with a minimum payment of ₹100 and a maximum of ₹1,300.
Foreign Exchange Markup	1.99%
Domestic and International Cash Advance Fee	₹250

3 ways to Redeem Reward Points from IDFC FIRST Select Credit Card

You can redeem IDFC FIRST Select credit card reward points via online mode or you can also use them to pay off your existing outstanding balance. Check details below:

Online Redemption

Log in to your NetBanking account or the mobile app.
Navigate to the rewards section.
Choose the option ‘Redeem’ to redeem the points.

Utilise Against Statement Balance

Visit the official NetBanking portal or the mobile app.
Hit the ‘Redeem Points’ option.
Use your points to pay off your outstanding balance.

Merchandise and Experiences

Explore the bank's rewards catalogue for travel bookings, merchandise, fine-dining experiences, and more
Choose the product or service you want to buy.
Redeem your reward points to make the payment.

Another way to redeem reward points is bill payment. Utilise your accumulated points to reduce the bill amount and ease your overall financial burden.

IDFC FIRST Select Credit Card Eligibility Criteria

To apply for this card, you have to:

Be at least 18 years of age.
Be an Indian resident.
Show an annual income of around ₹12 lakh or more.
Have a good credit score between 750 and 900.

When considering KYC documents for IDFC FIRST Select Credit Card, you need to submit ID proof (photocopies of PAN, Aadhaar, or Passport), income proof (photocopies of pay slip for salaried individuals and ITR file for self-employed individuals) and address proof.