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What is an IDFC FIRST Select Credit Card

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.

Features and Benefits of the IDFC FIRST Select Credit Card 

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

  • Continental breakfast

 

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.

IDFC Bank Select Credit Card Eligibility and Documentation

IDFC FIRST Select Credit Card Eligibility Criteria

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.

 

Documents Required for IDFC FIRST Select Credit

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

IDFC Bank Select Credit Card Reward Points

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.

How to Apply for an IDFC Bank Select Credit Card

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

IDFC First Select Credit Rewards Redemption

  • 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

How to Reach IDFC Bank Select Credit Card Customer Care

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. 

 

DISCLAIMER: The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

FAQs on IDFC FIRST SELECT Credit Card

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.

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