• Joining fee & annual fee: Nil. It is free for the lifetime credit card.
• Suitable for: Rewards on all online and in-store transactions.
• Savings: Most customers save Rs. 10,400 annually with IDFC FIRST Select Credit Card.
• Joining benefit: Welcome voucher worth Rs. 500 on spending equal to or more than Rs. 15,000 within 90 days of card issuance.
• Buy one get one offer on movie tickets on Paytm mobile app.
• EMI conversion facility: Can be done through mobile on transactions above Rs. 2,500. 
• Rate of Interest (APR): 0.75% to 3.5% per month (9% to 42% per annum).
• Interest-free cash withdrawals: Applicable on domestic and international ATMs for up to 48 days. 
• 4 complimentary lounge visits per quarter at domestic airports.
• 4 complimentary railway lounge visits per quarter.
• Evergreen reward points: Earn unlimited reward points that never expire. 
• Age: 21 to 65 years.
• Minimum Net Monthly Income: Rs. 25,000.

Joining Benefits

• Welcome voucher worth Rs. 500 on spends of Rs. 15,000 or above within 90 days of card generation.
• 5% cashback (maximum up to Rs. 1,000) on the transaction value of the first EMI done within 90 days of the card issuance.

Reward Points 

• 10X reward points on incremental spends of more than Rs. 25,000 per month and also on spends made on your birthday.
• 6X reward points on online purchases on spends up to Rs. 25,000 per month.
• 3X reward points on offline purchases on spends up to Rs. 25,000 per month.
• Earn evergreen unlimited reward points that never expire.
• You can use your accumulated reward points instantly for online and in-store purchases.
• 1X = 1 Reward Point per Rs. 125 spent 
• 1 Reward Point = Rs. 0.25

Airport & Railway Lounge Visits

• 4 complimentary lounge visits per quarter at domestic airports.
• 4 complimentary railway lounge visits per quarter.

Movie Offer

• Buy one get one offer on movie tickets on Paytm mobile app. 
• Maximum benefit value available up to Rs. 250. 
• This offer is valid twice per month.

Insurance

• Air Accident Cover of Rs. 1 Crore. 
• Loss of Checked-In Baggage: Rs. 7,500. 
• Delay of Checked-In Baggage: Rs. 5,000.
• Loss of Passport and other documents: Rs. 5,000.
• Delay of Flight: Rs. 5,000
• Complimentary Roadside Assistance: Rs. 1,399
• Personal Accident Cover: Rs. 5,00,000.
• Lost Card Liability Cover: Rs. 50,000. 
• Offer valid on doing at least one transaction on FIRST Select Credit Card within last 30 days..

Discounts & Offers

• Up to 20% discount at 1,500+ restaurants. 
• Up to 15% discount at 3,000+ Health & Wellness outlets.
• 300+ Merchant offers available all year long.

Purchases to EMI Conversion

• Convert all your purchases of over Rs. 2,500 into easy Equated Monthly Instalments (EMIs) from IDFC FIRST Bank’s mobile app.
• Instant EMI conversion of all online transactions above Rs. 2,500 on the IDFC FIRST Bank’s OTP page.

Credit Card Balance Transfer

• Transfer balances from your other bank credit cards conveniently with IDFC’s balance transfer privilege. 
• Convert your outstanding balance into easy EMIs with flexible tenure of 3 to 18 months.

Fuel Surcharge Waiver

• Fuel surcharge waiver of 1% at all fuel stations in India.
• Benefits available up to Rs. 300 per month

• Joining fee: Nil
• Annual fee: Nil
• Add-on card fee: Nil
• Rate of interest (APR) on purchases, cash advances & outstanding balances due: 0.75% to 3.5% per month (9% to 42% per annum).
• International & domestic cash advance fee: Rs. 250 per transaction
• FIRST Private Credit Card: Rs. 50,000
• Over-limit charges: 2.5% of the over-limit amount, subject to a minimum of Rs. 500
• Late payment charges: 15% of the total amount due, subject to a minimum of Rs. 100 & a maximum of Rs. 1,250.
• Overdue interest: 3.99% per month (47.88% per annum)
• Forex markup: 1.99% for all international transactions
• Return of auto-debit/ cheque/ payment return: Rs. 250 per returned cheque/ auto-debit/ payment return.
• Card replacement fee: Rs. 100
• Image personalisation fee: Rs. 499
• EMI fees: 1% of the transaction value, subject to a minimum of Rs. 99.
• Reward redemption fee: Rs. 99 per redemption transaction, effective from 01.10.2022.
• Goods and Service Tax (GST): GST (presently 18%), as notified by the Government of India, is applicable on all the charges mentioned above.

Applicants must meet the eligibility criteria mentioned below for IDFC FIRST Select Card:

• Net monthly income: As applicable for different card variants offered by the bank. The minimum income requirement is Rs. 25,000 per month. 
• Age: Applicant should be aged 21 to 65 years to apply for the IDFC FIRST Select Card.
• Citizenship: Residents of India having their current and permanent residential address within India are eligible.
• Location: IDFC FIRST Bank maintains a list of cities allowed for sourcing cards.
• Credit history: Applicant should have a good credit score without any history of defaulting on any loans or missing payments on loans/ credit cards.
• Internal policy criteria: IDFC FIRST runs certain internal policy criteria to select a customer for credit card issuance. Bank’s internal policy criteria are based on the applicant’s credit history, existing relationship with the IDFC Bank, demographics, and credit exposure. The final decision of card approval will be at the sole discretion of the bank, according to the mentioned internal policies.

You will be required to furnish the following documents to apply for IDFC FIRST Select Credit Card:

• Identity proof: Passport/ Aadhaar Card/ Driving License
• Address proof: Passport/ Aadhaar Card/ Voter ID/ Ration Card
• Income proof: Form 16, Income Tax Returns, and Salary Slip

You can apply for the IDFC FIRST Select Credit Card from the official website of the bank by following the steps mentioned below:

• Open the IDFC FIRST Select Credit Card page by clicking the link https://www.idfcfirstbank.com/credit-card/select.
• Next, click on the ‘Apply Now’ button.
• Mention your complete name according to your Aadhaar Card and your date of birth.
• Enter your 10-digit mobile number.
• Now click on the ‘Get OTP’ button.
• Enter the OTP received on your registered mobile phone.
• You will get a call from the bank’s executive shortly regarding taking the application process ahead.
• Alternatively, you can also apply for an IDFC FIRST Bank Select credit card from our website or by visiting the nearby IDFC FIRST Bank branch.