IDFC FIRST Select Credit Card

Complimentary Domestic Airport Lounge Access: Cardholders can enjoy two complimentary visits per quarter to participating domestic airport lounges across India. This benefit enhances the travel experience by providing access to comfortable seating, refreshments, and other lounge amenities. However, a minimum spending requirement in the previous month must be met to avail of this benefit. 

Buy One Get One Free Movie Tickets: The card offers Buy One Get One Free movie ticket benefits twice every month, allowing cardholders to enjoy their favorite movies while reducing entertainment expenses. 

Dining Discounts: Cardholders can avail of discounts of up to 20% at more than 1,500 partner restaurants across India. This benefit helps users save on dining bills while enjoying a wide range of culinary experiences. 

Reward Points with No Expiry: Reward points earned on eligible purchases never expire, giving cardholders the flexibility to accumulate and redeem them at their convenience. These points can be redeemed for flights, hotel bookings, e-vouchers, and various partner offers, enabling users to maximize the value of their spending. 

Features of IDFC FIRST Select Credit Card

The following are the features of IDFC FIRST Select credit card:  

Contactless Payment Facility: The IDFC FIRST Select Credit Card supports contactless payments, allowing cardholders to make purchases up to the prescribed limit by simply tapping their card at enabled merchant terminals for a quick and convenient checkout experience. 

Cash Withdrawal Facility: Cardholders can withdraw cash from domestic and international ATMs when needed. The card also offers an interest-free period of up to 45 days on cash withdrawals, although a nominal cash advance fee may apply. 

Accelerated Reward Structure: The card features a tiered rewards program that offers higher reward points on increased spending levels and select spending categories. This enables cardholders to earn rewards at a faster rate compared to a standard rewards structure. 

Flexible Reward Redemption Options: Accumulated reward points can be redeemed across multiple categories, including flight bookings, hotel stays, e-vouchers, and partner platforms, giving cardholders the flexibility to choose rewards that best suit their needs. 

Complimentary Airport Lounge Access: The card provides complimentary access to selected domestic airport lounges, allowing travelers to enjoy a more comfortable and relaxing pre-flight experience. 

Roadside Assistance Services: Cardholders can avail themselves of 24x7 roadside assistance services, including support for flat tyres and other basic roadside emergencies, helping ensure peace of mind while travelling. 

Value-Packed Lifetime-Free Credit Card: The IDFC FIRST Select Credit Card combines travel, lifestyle, and rewards benefits without any joining or annual fees. It is well-suited for frequent travelers, regular shoppers, and individuals looking for a feature-rich yet cost-effective credit card. 

Benefits of IDFC FIRST Select Credit Card

Welcome Benefits

• You will receive a Rs.500 gift voucher when you spend Rs.5,000 within 30 days of your card being issued. 

• You will get 5% cashback (up to Rs.1,000) on your first EMI transaction, provided it is done within 30 days of card issuance.

Travel Benefits 

Cardholders can enjoy complimentary access to domestic airport lounges as well as select railway station lounges, making their journeys more comfortable and convenient. These benefits allow travelers to relax and access premium facilities before departure. The card comes with a trip cancellation cover of up to ₹10,000 for non-refundable flight tickets and hotel bookings. This benefit can help reduce financial losses arising from unexpected travel cancellations. To provide additional peace of mind while travelling, the card offers travel insurance along with personal accident and air accident coverage, helping protect cardholders against unforeseen events during their journeys. 

Lifestyle & Merchant Benefits 

• Cardholders have access to over 300 merchant benefits that offer discount benefits across shopping, dining, wellness, and travel categories.  

Fuel Benefits 

• Cardholders can receive a 1 percent fee waiver for eligible fuel purchases, which helps offset the cost of fuel purchases and regular vehicle use.  

Safety & Security 

• There are lost-card liability benefits, roadside assistance in case of a vehicle discussion, and personal/air accident coverage so cardholders can travel and conduct their daily transactions with peace of mind. 

Reward Points Benefits

• Earn 3X Reward Points on eligible retail transactions up to ₹20,000 per statement cycle. This applies to categories such as shopping, dining, groceries, and most online purchases. 

• On a total spending of ₹20,000 in a statement cycle, the incremental amount earns 10X reward points. 

• All eligible purchases made on your birthday earn 10X reward points, irrespective of the spending amount. 

• The IDFC FIRST Select Card offers 3X reward points on education payments, wallet reloads, government service payments, rent payments, and property management transactions. 

• Utility and insurance transactions earn 1X reward points.  

• Fuel purchases, EMI transactions and Cash withdrawals do not earn regular or accelerated rewards. 

Fees and Charges of IDFC FIRST Select Credit Card

Eligibility for IDFC FIRST Select Credit Card

The eligibility criteria for IDFC FIRST Select credit card is given below:  

• Applicants must be at least 18 years old. 

• Should have an annual income of Rs.12 lakh or more. 

• Must be a resident Indian. 

• A good credit score is required, with final approval subject to the bank’s internal credit assessment.

Documents Required to Apply for the IDFC FIRST Select Credit Card

You will have to submit these documents to the bank once you have qualified for the IDFC FIRST Select Credit Card: 

Proof of Identity 

Applicants must provide one valid identity document from the following: 

• PAN card 

• Aadhaar card 

• Voter ID 

• Passport 

• Driving Licence 

Proof of Address 

Applicants must provide one valid address proof from the following: 

• Aadhaar card 

• Passport 

• Voter ID 

• Driving Licence 

• Recent utility bills (not older than 3 months) 

• Registered rent agreement 

Proof of Income 

• For salaried applicants: Submit recent salary slips (typically for the last 3 months) and bank statements showing salary credits for the past few months. 

• For self-employed applicants: Provide Income Tax Returns with computation of income, and if required, a profit & loss statement and balance sheet certified by a Chartered Accountant. 

Additional Documents 

• Recent passport-size photographs. 

• Credit report, if available, may be requested by the bank during the application process. 

How to earn more reward points on IDFC FIRST Select Credit Card?

The IDFC FIRST Select Credit Card allows cardholders to maximize their reward earnings by booking flights and hotels through the ‘Travel & Shop’ section of the IDFC FIRST Bank Mobile App. By using this dedicated travel portal, you can earn accelerated reward points in addition to the regular rewards earned on your transactions, making your travel expenses even more rewarding. 

Step 1: Log In to the IDFC FIRST Mobile App 

Open the IDFC FIRST Mobile Banking App on your smartphone and sign in using your registered credentials. The app serves as a convenient platform for managing your credit card and accessing exclusive travel booking benefits. 

Step 2: Visit the ‘Travel & Shop’ Section 

After logging in, navigate to the ‘Travel & Shop’ section from the app menu. This dedicated portal offers travel booking services along with accelerated reward point benefits on eligible hotel and flight reservations. 

Step 3: Select Your Preferred Travel Booking 

Hotel Bookings: 

Browse and choose from a wide range of hotels in India and overseas. When you book a hotel through this portal using your IDFC FIRST Select Credit Card, you can earn 50X bonus reward points in addition to the standard reward points applicable to the transaction. 

Flight Bookings: 

Search for and book domestic or international flights through the Travel & Shop portal. Eligible flight bookings earn 20X bonus reward points, helping you accumulate rewards much faster than regular spending. 

Step 4: Make the Payment 

Enter the required travel details, select your preferred hotel or flight, and complete the booking using your IDFC FIRST Select Credit Card. The applicable bonus reward points are automatically credited in addition to the regular reward points earned on the transaction. 

Step 5: Redeem Your Reward Points 

Once sufficient reward points have been accumulated, you can redeem them for future flight and hotel bookings through the app. This allows you to reduce your travel expenses while making the most of your card's rewards program.

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