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. ​
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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 â‚ą 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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