Do I have to pay any annual fee for the IDFC FIRST Select Credit Card?

No, this card comes with no joining fee, membership fee, or annual fee.

Will my reward points ever expire on this credit card?

No, reward points earned on the IDFC FIRST Select Credit Card will not expire.

Will I be asked to key in my credit card PIN at every POS terminal?

Yes, for all transactions you make in India, you have to enter a PIN to complete these transactions. Outside India, you will have to enter the PIN only if the POS terminal has been enabled for PIN authentication.

IDFC FIRST Select Credit Card

The IDFC FIRST Select Credit Card gives you one of the best benefits and privileges and you do not have to pay any joining fee. This IDFC First Bank credit card has been curated keeping in mind your lifestyle and spending habits. With this credit card, you can earn reward points that will never expire. The interest for this card ranges from 0.75% to 2.99% per month.

Key Highlights of IDFC FIRST Select Credit Card

You will receive 10X reward points on all transactions you make on your birthday.
Get complimentary domestic airport lounge access.
Enjoy 1 reward point every time your expenses reach Rs.100.
Receive up to 20% as discount at over 1,500 restaurants across India.

Benefits of IDFC FIRST Select Credit Card

Welcome Benefits

You will get welcome gift vouchers of Rs.500 once you spend Rs.15,000 within the first 90 days of your card being issued.
You will receive 5% cashback on your first EMI transaction if this is performed within the first 90 days of your card being set up.

Reward Points Benefits

Get 6X reward points on your online purchases.
Receive 10X reward points on expenses over Rs.20,000.
You will get 10X reward points on transactions made on your birthday.
Receive 3X reward points on every offline expense.
Get 1 reward point every time you spend Rs.100.

ATM Withdrawal Benefits

Enjoy interest-free cash withdrawal from ATMs in India for up to 48 days.

Entertainment Benefits

When you buy one movie ticket, you will get another movie ticket of up to Rs.250 for free (twice every month).
Get up to 15% off at 3,000 plus health and wellness outlets.

Dining Benefits

Get up to 20% off at more than 1,500 restaurants.

Fuel Benefits

You will get a fuel surcharge waiver of up to Rs.300 every month at all fuel stations in the country.

Travel Benefits

Enjoy free Road Side Assistance (RSA) of up to Rs.1,399.

Receive free domestic airport lounge access (4 visits every quarter).
You will get free railways lounge access (4 visits per quarter).

Insurance Benefits

You will receive a personal accident cover of Rs.5 lakh.
Get a complimentary lost card liability cover of up to Rs.50,000.

Fees and Charges of IDFC FIRST Select Credit Card

Type of Fee	Amount
Joining fee	NIL
Over limit fee	NIL
Reward redemption fee	NIL
Foreign exchange markup	1.99%
Late payment fee	15% of Total Amount Due (subject to a minimum Rs.100 and a maximum of Rs.1,000)
International and domestic cash advance fee	Rs.250

Documents Required to Apply for the IDFC FIRST Select Credit Card

You will have to submit these documents to the bank once you have qualified for the IDFC FIRST Select Credit Card:

Proof of Address	Ration Card Passport Voter ID Aadhaar Card
Identity Proof	Driving License Passport Aadhaar Card
Income Proof	Form 16 IT Returns Salary Slip

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FAQs on the IDFC FIRST Select Credit Card

Do I have to pay any annual fee for the IDFC FIRST Select Credit Card?
No, this card comes with no joining fee, membership fee, or annual fee.
Will my reward points ever expire on this credit card?
No, reward points earned on the IDFC FIRST Select Credit Card will not expire.
Will I be asked to key in my credit card PIN at every POS terminal?
Yes, for all transactions you make in India, you have to enter a PIN to complete these transactions. Outside India, you will have to enter the PIN only if the POS terminal has been enabled for PIN authentication.

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