Card Profile and eligibility

• IDFC First Select Credit Card has been launched by IDFC First Bank.

• It was launched in January 2021.

• The card has a number of unique features which make it stand out among other similarly situated cards.

• Applicant should be above 18 years.

• 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

• Dine out 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 Surcharge 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: 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

• Free Airport Lounge Access: You get 4 per quarter.

Here we do a detailed review of IDFC First Select Credit Card, we cover all points including pros, cons, interest rate, late payment fee, unique features, movie tickets, eligibility criterion etc: