cards / credit / idfc first bank / idfc-first-select-credit-card
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§ BENEFITS
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
8 visits/year
10X Rewards on Online Spends
Earn 10X reward points on all online transactions
10X RP on online
3X Rewards on Offline Spends
Earn 3X reward points on all offline transactions
3X RP on offline
Lifetime Free Card
No joining fee, no annual fee — lifetime free
₹0 forever
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹6,00,000
- Min monthly salary
- ₹50,000
- Age
- 21 – 65
- Min credit score
- 720
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- APR (monthly)
- 3.75% p.m.
- APR (annual)
- 45.00% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Lifetime free
† Lifetime free
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- —
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹40,000
- POS + e-com / day
- ₹3,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹50,00,000
- Permanent disability
- ₹50,00,000
- Air accident
- —
- Travel insurance
- —
- Baggage
- —
- Lost-card liability
- ₹5,00,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- IDFC Reward Points
- Earn rate
- 10X on online, 3X on offline
- Point value
- ₹0.25
- Effective cashback
- 0.75%
- Min redemption
- 500 pts
- Expiry
- Never expire
§ LOUNGE
- Domestic
- 2 per quarter
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with IDFC First Bank and earns no commission on applications.