IDFC FIRST Select Credit Card

1. Free Domestic Airport Lounge Access: The card offers two free visits per quarter to domestic airport lounges, making wait-time comfortable. You must spend a minimum amount in the prior month to receive these visits. 

1. Buy One Ticket Get One Free Movie Offers: The card features Buy One Ticket Get One Free offers on movie tickets twice a month, allowing card holders to enjoy entertainment at reduced costs. 

1. Dining Discounts: Cardholders can save up to 20 percent at over 1,500 restaurants across India with their credit card. 

1. Never-Expiring Reward Points: Reward points earned on everyday merchant purchases that qualify for rewards don't expire and can conveniently be redeemed anytime for flights, hotels, e-vouchers, and partner benefits. 

Features of IDFC FIRST Select Credit Card

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

1. Payment Alternatives: Holders can easily make payments for purchases less than a specified maximum by simply tapping their card at the point of sale. 

1. Cash-Withdrawal Benefits: Holders can access funds at domestic and international automatic teller machines (ATMs) with an interest-free period of up to 45 days, even if a nominal transaction fee is charged. 

1. Reward System Design: Certain purchase levels earn significantly more reward points and points earners in special categories, unlike the standard reward points system where higher spending earns proportionally greater reward points, and earners earn less than the standard reward points for their purchases. 

1. Point Utilisation Options: Points can be redeemed for air travel, hotel bookings, e-vouchers, or partner platforms, allowing holders the freedom to utilise their rewards points in many ways. 

1. Lounge Access at a National Airport: Holders get lounge access without incurring or paying for access at a selected national airport, to enhance their pre-flight comfort. 

1. Flat-tire and roadside service: Holders will have access to basic 24-hour flat-tire and roadside assistance if required during their journey. 

1. High-Value No Fee Rewards Credit Card: IDFC FIRST Select Credit Card has financial, travel, and lifestyle factors for frequent travelers, shoppers, or individuals who require a cost-effective reward card that is affordable.

Benefits of IDFC FIRST Select Credit Card

Welcome Benefits

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

1. 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 

1. With the cardholders' privilege, they can enjoy domestic airport lounge access and lounge access in select railway stations without charges. It will help cardholders to enjoy their travels in comfort and style.  

1. The card offers a trip cancellation cover (CFAR) with a limit of Rs.10,000 for non-refundable flights and hotel bookings in case of unforeseen trip cancellations.  

1. Travel insurance and personal/air accident coverage are included with the card if the unexpected occurs on a trip.  

Lifestyle & Merchant Benefits 

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

Fuel Benefits 

1. 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 

1. 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

1. Get 6X reward points on your online purchases.
2. Receive 10X reward points on expenses over Rs.20,000.
3. You will get 10X reward points on transactions made on your birthday.
4. Receive 3X reward points on every offline expense.
5. Get 1 reward point every time you spend Rs.100.

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:  

1. Applicants must be at least 18 years old. 

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

1. Must be a resident Indian. 

1. 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: 

1. PAN card 

1. Aadhaar card 

1. Voter ID 

1. Passport 

1. Driving Licence 

Proof of Address 

Applicants must provide one valid address proof from the following: 

1. Aadhaar card 

1. Passport 

1. Voter ID 

1. Driving Licence 

1. Recent utility bills (not older than 3 months) 

1. Registered rent agreement 

Proof of Income 

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

1. 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 

1. Recent passport-size photographs. 

1. 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?

With the IDFC FIRST Select Credit Card, you can earn significantly more reward points when you book your flights and hotels through the ‘Travel & Shop’ section of the IDFC FIRST Bank Mobile App. This allows you to make your regular spending more rewarding and enjoy greater value from your credit card. 

1. Step 1: Access the Mobile App: Open the IDFC FIRST Mobile Banking App on your smartphone. Ensure you are logged in with your account credentials linked to your credit card. The mobile app serves as the central platform for booking travel and earning bonus points.  

1. Step 2: Navigate to the Travel Section: From the main menu, tap on ‘Travel & Shop’. This section is dedicated to travel-related bookings and provides exclusive access to bonus reward points for cardholders. Here, you can choose either to book hotels or flights.  

1. Step 3: Choose Your Booking Type:   

Hotels: Browse available hotels across India and internationally. When you make a hotel booking using your IDFC FIRST Select Credit Card via this portal, you will earn 50X bonus reward points on top of your usual reward points.  

Flights: Select flights for domestic or international travel. Booking flights through this section earns you 20X bonus reward points, adding significant value to your regular points accumulation. 

1. Step 4: Complete Your Booking: Enter your travel details, select your preferred hotel or flight, and complete the payment using your IDFC FIRST Select Credit Card. The bonus reward points are automatically added to your account over and above the standard reward points earned for the transaction. 

1. Step 5: Redeem Your Reward Points: Once your reward points are accumulated, you can redeem them for future flight or hotel bookings directly through the app, making travel more affordable and rewarding 

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