IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card
For evolving lifestyle needs
10X rewards on spends ≥ ₹20k monthly
8X rewards on purchases < ₹20k monthly
Personalized Match by CredHunt • credhunt.com
Mid-tier travel and lifestyle credit card offering lounge access, enhanced rewards, and premium lifestyle benefits for higher-income professionals
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
For evolving lifestyle needs
10X rewards on spends ≥ ₹20k monthly
8X rewards on purchases < ₹20k monthly
2 domestic airport lounge visits quarterly
4 railway lounge visits quarterly
Forex markup on international transactions
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
1 reward point per ₹150 spent on other categories
Point Value
1pt=₹0.50
Points Expiry
N/A
Bonus Rewards
Welcome Offer
Club Marriott membership and ₹5,000 Taj voucher on spending ₹1.5 lakh in first 90 days
Accelerated Rewards
2.5 6E Rewards per ₹100 on flight bookings on IndiGo App/Website; 2 6E Rewards per ₹100 on Grocery, Dining & Entertainment (Grocery capping of 2000 RP in a month from April 1, 2023)
Card Benefits
Travel Benefits
8/year
8 complimentary domestic airport lounge visits per year; 2 complimentary international lounge visits
Dining & Entertainment
Accelerated Reward Points on dining
Combo offers
Lifestyle & Protection
Retail partnerships
Credit Shield Cover
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% fuel surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum cashback of ₹500 per statement cycle) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Lifetime Free
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹18L+
Expert Opinion
Good mid-tier rewards card with valuable milestone benefits for spends above ₹20,000 monthly. The domestic lounge access adds travel value despite no fee in first year. The high spends required for fee waiver (₹1.5 lakh) may be challenging for average users.
Customer Reviews
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Experience the premium benefits of the IDFC FIRST Select Credit Card today.