Card Profile and eligibility
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IDFC FIrst Select Credit Card has been launched by IDFC First Bank.
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It was launched in January 2021.
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The card has a number of unique features which make it stand out among other similarly situated cards.
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Applicant should be above 18.
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The minimum CIBIL score of the applicant should be 750.
Unique Features
Lifetime Free, no hidden fee.
Reward points never expire.
Dynamic interest rate model, based on the user’s profile. Interest rates range from 9% p.a. and can go up to 35.88% p.a. Best rated customers (basis loyalty, timely payment and other factors) can avail a preferential rate of 9% p.a. (0.75% per month).
Complimentary Road Side Assistance (RSA) all over India, up to 4 times in a year worth ₹ 1399 on your IDFC FIRST Select Credit Card through Global Assure.
Features And Fees
Annual Fee
INR 0
Joining Fee
INR 0
Dineout Discount
Yes - Across 1500 restaurants
On Spend Of INR 100
You get 1 reward point
Late Payment Fee
15 % of Total Amount Due (subject to a minimum of `100 and a maximum of `1000)
100% Fuel Surchage Waiver
NO - only waiver of surcharge upto INR 200 per month
Reward Point Expiry
Never
On Purchases In-Store
You get 3x reward points
ATM Cash Withdrawal Fee
INR 250
Accident Insurance
Yes - Upto INR 5 Lakh
1 Reward Point Value
1 Reward Point Value = INR 0.25
On Online Purchases
You get 6x reward points
Interest
Dynamic interest rate model, based on the user’s profile. Interest rates range from 9% p.a. and can go up to 35.88% p.a. Best rated customers (basis loyalty, timely payment and other factors) can avail a preferential rate of 9% p.a. (0.75% per month).
Free Movie Ticket
Yes - Twice per month for tickets up to INR 250
1 Reward Point Value
1 Reward Point Value = INR 0.25
Free Airport Lounge Acess
You 4 per quarter.
MyRupaya Rating
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What We DiD Not Like
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Could have offered more reward points.
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Free movie ticket is only available if the price is up to INR 250.
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