IDFC FIRST Select Credit Card Details, Credit Limit, Reward Points

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IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card Details

The FIRST Select Credit Card is a high-rewarding credit card that will complement your premium lifestyle. The IDFC First Select Card is essentially an improved version of the previously mentioned Classic Card, with additional travel and dining benefits.

Credit Card Welcome benefits:

  • Only after spending Rs 15,000 within 90 days of the card’s issuance date can you receive a Rs 500 gift voucher as a welcome bonus.
  • Get a 5% cashback on your first EMI transaction when you convert it within 90 days of receiving your card.

Eligibility Criteria:

Because IDFC First Credit Cards are currently only exclusive to the bank’s existing customers, the eligibility criteria are not certain. The bank will share the requirements once the applications are open to the public.

Benefits and Features:

  • If you spend Rs. 15,000 within 90 days, you will receive a welcome voucher worth Rs. 500.
  • Within 90 days of card activation, you will receive a 5% cashback on your first EMI purchase.
  • On incremental transactions of more than Rs.20,000 per billing cycle, you can receive up to 10X Reward Points.
  • On all online purchases, you can receive up to 6X Reward Points, and on all offline purchases, you can earn up to 3X Reward Points.
  • Per fifth, you are entitled to four complimentary domestic lounge visits.
  • Per fifth, you are entitled to four free visits to the railway lounge.
  • A low foreign exchange mark-up fee of 1.99 percent is available.
  • You will get up to a 20% discount at over 1500 restaurants.
  • On 3000+ Health & Wellness Outlets, you will get up to a 15% discount.

Reward Point Benefits:

  • For all purchases above Rs 20,000, you’ll get 10X Reward Points.
  • For all offline purchases, you’ll get 3X Reward Points.
  • On all online transactions, you’ll get 6X Reward Points.
  • On your birthday, you’ll get 10 times the amount of reward points.
  • The IDFC First Credit Card has no upper limit to how many reward points you will receive.
  • Your reward points will not get outdated and you can reclaim them anytime you want.
  • For every 100 points, you will receive 1 Reward Point.
  • 1 reward point is worth 25 paise, and 1 rupee is worth 4 reward points.

Extra Privileges:

  • Enjoy a Buy One, Get One Free movie ticket offer twice a month, up to a maximum of Rs250.
  • Per fifth, the IDFC First Pick credit card entitles you to four free visits to the airport and railway lounges.
  • Get up to 20% off at over 1500 restaurants and 15% off at over 3000 health stores.
  • At the refilling stations, you can get a Fuel Surcharge Waiver of up to Rs300 per month.
  • This card comes with a Personal Injury Coverage of up to 5 Lacs.
  • Get an Rs50000 Lost Card Liability Coverage for free.
  • With this Credit Card, you can get 50+ In-App Discount Offers.
  • Get Rs1399 in free roadside assistance.
  • Take advantage of a Rs 22,500 comprehensive travel insurance policy.
  • Personal Accident Insurance is only available after one transaction.
  • This card comes with a Personal Injury Coverage of up to 5 Lacs.
  • Get a Rs 50000 Lost Card Liability Coverage for free.
  • With this Credit Card, you can get 50+ In-App Discount Offers.
  • Get Rs1399 in free roadside assistance.
  • Take advantage of a Rs 22,500 generous travel insurance policy.
  • Personal Injury Protection is only available if you have made one credit card purchase in the previous month.

Exclusive Features:

  • This Credit Card allows you to make interest-free cash withdrawals from ATMs for up to 48 days.
  • There are no over-limit fees for IDFC select credit cards.
  • There are no extra costs.
  • The APR on this credit card is 0.75 percent per month or 9 percent per year.
  • There is no additional charge for redeeming Reward Points.

Joining/Membership/Annual fee on IDFC FIRST select Credit Card:

Charges Amount
Joining / Annual Fee NIL
Over Limit Fee NIL
Interest Rate / Finance Charges starting at 0.75% p.m. (9% annually)
Reward Redemption Fee NIL
Foreign Currency Markup Fee 1.99%
Late Payment Fee 15% of Total Amount Due
International & Domestic Cash Advance Fee Rs. 250
Return of cheque/Auto Debit/ Payment Return Rs. 250 per Returned cheque/Auto Debit/ Payment Return
EMI Fees 1% of the transaction value (minimum Rs. 99), 
Card Replacement Fee Rs. 100

 

How to Apply for IDFC First Select Credit Card:

Select credit cards from IDFC First Bank are exclusively available to existing customers. IDFC Bank will issue everyone their first select credit cards starting in 2021. If you want to apply for an IDFC First select a credit card, go to their website and fill out the form. If the bank decides that you are a qualified candidate, you will be notified before the card is available to all applicants.

Also Check: IDFC FIRST Classic Credit Card

How to Check IDFC first select Credit Card Application Status?

Users can check the status of an IDFC first select card application online, by phone, or in-person at a bank branch. By installing the IDFC Bank app, you can also check the status of your IDFC first select credit card application. To check the status of your card, you’ll need your IDFC first classic select card application number, mobile number, and other details.

FAQ:

  1. Is it true that the reward points I’ve accumulated on my card have an expiration date?

The reward points you receive with your IDFC FIRST Select Credit Card have no expiration date.

  1. What is the GST rate for my IDFC FIRST Select Credit Card?

Fees, as well as interest rates paid on your bill, will be subject to 18% GST.

  1. Will any POS terminal, whether domestic or international, ask for my credit card PIN?

Yes, you will be asked for a PIN to complete all transactions in India. Outside of India, however, you will be asked for your PIN only if the POS terminal supports PIN authentication.

  1. What form would I use to obtain my credit card statement?

You can use your email to obtain IDFC first select a credit card statement.

  1. How can I get a PIN for my IDFC FIRST Select Credit Card?

To get your Credit Card PIN, click on  https://idfcfir.st/ccpin  or call 1860 500 1111.

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