IDFC First Select Credit Card

Secure application on IDFC FIRST Bank's website

IDFC First Select Credit Card
Annual Fee
₹0
Min Income
₹25,000
Regular APR
43.8%
Rating
4.6/5

IDFC First Select Credit Card

Shopping, Travel • Card

Welcome Benefit

1. Bonus of ₹500 for spending ₹15,000 within 90 days of activation. 2. 5% cashback on the first EMI payment within 30 days of activation (up to ₹1,000). 3. "Buy One, Get One" offer on movie tickets via Paytm (maximum ₹250, valid twice per month).

Why We Chose It

An ideal card for those who spend on shopping, travel, and entertainment, with great rewards on transactions over ₹20,000 monthly and a variety of lifestyle and travel benefits.

Pros

  • Free annual and joining fees.
  • 10X points on spending over ₹20,000/month and on your birthday.
  • 3X points on online and in-store purchases (up to ₹20,000/month).
  • Earn 1X point for every ₹125 spent.
  • No reward points on fuel, EMI, or cash withdrawal transactions.
  • Up to 20% off at 1,500+ restaurants.
  • Up to 15% off at 3,000+ Health & Wellness outlets.
  • Access to 300+ year-round merchant offers.
  • Complimentary airport and railway lounge visits.
  • Air Mishap Protection coverage up to ₹1 crore.

Cons

  • No rewards for fuel, EMI, or cash withdrawals.
  • Foreign transaction fee of 1.99%.
  • Late payment fee can go up to ₹1,250.