IDFC FIRST Select Credit Card

Card Details

IDFC FIRST Select Credit Card
Issuer
IDFC FIRST Bank
Card type
Entry Level
Joining fee
Nil
Annual fee
Nil
Rewards currency
Reward Points

Highlights

  • Lifetime Free – Zero Joining & Annual Fee
  • 10X RPs/₹200 on spends above ₹20,000
  • 1 Domestic Lounge + 4 Railway Lounge visits/quarter
  • 1.99% Forex Markup

Welcome, annual & renewal benefits

  • Joining/Annual Fee: Lifetime Free (₹0).
  • Welcome Benefit: Gift vouchers worth ₹500 on spending ₹5,000 within 30 days.
  • 5% cashback on first EMI transaction (up to ₹1,000) within 30 days.

Reward earning

Spend typeEarn rate
Spends above ₹20,000/month10 Reward Points / ₹200
Spends up to ₹20,000/month3 Reward Points / ₹200
Birthday spends10 Reward Points / ₹200
  • 1 Reward Point = ₹0.25.
  • No RPs on fuel, EMI, cash withdrawals.

Additional Benefits

  • Domestic Lounge: 1 visit/quarter (on ₹20K monthly spend).
  • Railway Lounge: 4 visits/quarter.
  • BOGO movie tickets up to ₹125 on District app (twice/month).
  • Forex markup: 1.99%.
  • 1% fuel surcharge waiver (max ₹300).
  • Insurance: ₹1Cr air accident + ₹5L personal accident + ₹50K lost card cover.

Review

Entry Level Life Time free card. There are many cards available in this segment so choose wisely.