Are you someone who loves to frequently travel, dine out, and earn reward points through credit card usage? If so, the IDFC First Select Credit Card is just what you need! This credit card is not only lifetime-free, but it also offers access to 4 railway lounges every quarter. With its reward rate ranging from 0.6% to 2%, the card is ideal for those who desire to accumulate reward points while enjoying the benefits of railway lounges. Want to know more? Keep reading to see if this credit card is ideal for you.
Aspects that make spending using this card lit as the sun!
Gift voucher worth ₹500 after spending ₹15,000 or more within 90 days of card issuance.
5% cashback on EMI transactions within the first 90 days.
10X Reward Points on incremental purchases greater than ₹25,000 per billing cycle.
Insurance cover for:
Note- All these insurance benefits are subject to the bank’s criteria.
1% surcharge waiver on fuel transactions at petrol pumps across India, with a maximum discount of ₹300.
Discount of up to 20% on dining at participating restaurants.
Up to 15% discount at 3000+ Health & Wellness outlets.
Think of these as small investments to keep your credit card running smoothly.
Annual Percentage Rate42%
Add-on Card FeeFree
Minimum Repayment Amount5%
Cash Withdrawal Fee₹199
Cash Advance LimitNA
Card Replacement Fee₹ 100
Foreign Transaction Fee1.99%
Over Limit Penalty2.50%
Fuel Transaction Surcharge1%
Reward Point Value₹ 0.25
Any Amount Due15 % of Total Amount Due subject to a minimum of ₹ 100 and a maximum of ₹ 1250.
Aspects that make this credit card amazing.
Aspects this credit card lacks.
Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!
Targeting the lifestyle needs of its consumers, as well as improving their savings on mobility and utility spends, IDFC FIRST Bank has partnered with HPCL to launch two co-branded cards. The two new cards are being named FIRST Power and FIRST Power+. Bankers can apply for the FIRST Power and FIRST Power+ cards through the bank’s website, its app for select bank branches, and select HPCL pumps and stations.
A borrower must be at least 21 years old and have a CIBIL score of at least 750 out of 900. Have a consistent record of income and employment.
No, the IDFC FIRST Select Credit Card reward points do not expire. This means you can collect points over time and redeem them whenever you want.
The IDFC FIRST Select Credit Card is free for life, which means there are no annual or joining fees. Furthermore, the card offers attractive reward points on every transaction made with the card, making it an excellent choice for those looking for a low-maintenance credit card with added benefits.