Among the diverse range of premium credit cards from IDFC FIRST Bank, the IDFC Select Credit Card is one of the most popular offerings. With umpteen reward programs, travel offers, and exciting deals all-round the year, the IDFC FIRST Select Credit Card can cater to all your lifestyle requirements.
What’s more, there are no unnecessary charges levied, and you can enjoy numerous perks at affordable interest rates. One of the most striking features of the IDFC FIRST Bank’s Select Credit Card is its unlimited reward points with no expiry period.
You also get many benefits when using the card for online/offline transactions. To learn more about the features of the IDFC FIRST Select Credit Card, read on.
The credit card became a popular choice after its launch. With exciting deals and offers across various entertainment, travel, dining and many more categories, the IDFC FIRST Select Credit Card is ideal for online shopping lovers.
Here are a few key features and benefits you can get from the IDFC Select Credit Card:
Welcome vouchers of up to ₹500 on transactions of ₹15,000 or more
Up to 5% cashback on total spends up to ₹1,000
Get a movie ticket free when you buy one using the Paytm mobile app
Enjoy over 300 merchant offers annually
Avail up to 20% discount at more than 1,500 restaurants
Enjoy a discount of up to 15% at nearly 3,000 wellness outlets throughout India
Here, note that you are eligible for a welcome voucher only when you spend the total amount mentioned within 90 days of card issuance. So, ensure you swipe your IDFC FIRST Select Credit Card for transactions worth ₹15,000 within the required period to enjoy welcome benefits.
Likewise, you must also follow the same 90-day period for availing cash back benefits as well. Note that the ‘buy one get one’ offer is applicable on movie tickets worth ₹250, twice a month.
Using the IDFC FIRST Select Credit Card offers up to 4 complimentary lounge access for each quarter across all railways and airports in India. So, you can now travel comfortably with proper relaxation when waiting for your flight or train.
Moreover, with the IDFC FIRST Select Credit Card, you can enjoy premium services like airport transfers in more than 83 countries. When travelling to a new destination, you can use the limousine service and reach your hotel from the airport.
However, check with the IDFC FIRST Bank about the availability of this service at the select destination you plan to travel to. Apart from these privileges, you can access more than 900 premium hotels worldwide.
A few benefits you can get in these select hotels include:
Upgradation of the room automatically after check-in
Complimentary Wi-Fi in your room
While the IDFC FIRST Select Credit Card offers travel and entertainment benefits, you can also avail insurance assistance. A few notable features include:
Air accident coverage of up to ₹1 Crore
Comprehensive travel cover of up to ₹22,500
Personal accident cover worth ₹5 Lakhs
Roadside assistance of ₹1,399
You can claim the personal or air accident cover when you complete at least one transaction using the IDFC FIRST Wealth Credit Card during the last 30 days.
You must meet the bank’s eligibility parameters set by the bank before you get an approval for the IDFC Select Credit card. Here are some key pointers:
The minimum age has to be at least 21 years
You have to maintain a good credit score
You need to have a regular source of income
While these pointers are common, it is ideal to check with the IDFC Bank customer care team before planning to get a card.
Once you meet the required eligibility criteria, you must submit the following documents post approval from the bank. You may provide these documents to get the IDFC FIRST Select Credit Card:
ID Proof (any one): Aadhaar card, Passport, PAN card, Driving licence, Voter ID
Address Proof (any one): Aadhaar card, Voter ID, Ration card, Latest utility bills
Proof of income: Form 16, Salary slip, Latest bank account statements, ITR copy
As mentioned earlier, one of the unique features of the IDFC Select Credit Card is its unlimited reward points with an unlimited expiry! So, simply swipe your credit card during in-store or online purchases and pay via your accrued reward points.
What’s more, you can earn up to 10x reward points on all monthly spends exceeding ₹25,000. You also get additional points when you swipe your IDFC FIRST Select Credit Card on your birthday.
Apart from these, you get 6x and 3x reward points for monthly online and offline purchases exceeding ₹25,000. For every ₹125 spent, you can earn 1 reward point. However, note that these points do not apply to cash withdrawals, EMI transactions, insurance or fuel spends.
You can opt to apply for the credit card online or offline. In the case of offline mode, you have to visit the nearest IDFC FIRST Bank. Check if you meet the required eligibility criteria and submit relevant documents.
Fill in an application form to complete the application process. However, if you prefer the online mode, simply follow the steps mentioned below:
Step 1: Visit the official portal of IDFC FIRST Bank
Step 2: Navigate to the ‘Credit Cards’ section
Step 3: Choose the IDFC FIRST Bank’s Select Credit Card
Step 4: Click on the ‘Apply Now’ tab
Step 5: Enter the required details, such as your name, mobile number and date of birth
Step 6: Enter the OTP you receive in your phone
Step 7: Follow the instructions as mentioned to proceed further
Each reward point you carry is equal to ₹0.25
You can redeem your card points at select merchant portals
No expiry date for reward points
Can transfer your existing reward points to the next calendar year
Redeem your points when using the card for online or offline purchases
Use the option ‘Pay with Points’ to initiate your payment
Redeem your reward points in exchange for amazing deals on idfcfirstrewards.poshvine.com
A convenience fee of ₹99 levied when redeeming reward points
You can contact the IDFC FIRST Bank team at 1800 10 888 at any time, 24x7. Alternatively, you can talk to the concerned representative by giving a call from your registered number to 95555 55555. If needed, you may also send a WhatsApp message to the same number.
All your queries regarding the IDFC FIRST Select Credit Card will be resolved instantly, thanks to the robust and diligent customer care team of the bank. Additionally, you may check out various credit card offers on Bajaj Markets and choose a card that best fits your requirements.
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Each reward point carries a value of ₹0.25.
No, you do not have to pay any annual fee as it is a lifetime free credit card.
A GST of 18% is applicable on all charges related to the credit card.
No, the reward points accumulated do not expire.
This credit card levies low interest rates ranging from 0.75-3.5% per month. You may have to pay a late payment fee of up to 15% of the total due amount.
Apart from these charges, all international forex transactions are marked at 1.99%. Plus, an over-limit charge of up to 2.5% may be levied.