IDFC FIRST Bank Select Rating & Reviews
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IDFC FIRST Bank Select Credit Card Review
The IDFC FIRST Select Credit Card offers a premium payment experience with a range of benefits and services. New cardholders can enjoy a welcome gift voucher worth ₹500 and 5% cashback on EMI transactions within the first 90 days of card issuance. The card also provides access to exclusive lounge facilities, roadside assistance, movie and dining discounts, and insurance covers. With accelerated reward points, low forex markup fees, and a fuel surcharge waiver, it's an ideal option for frequent travelers. However, it's worth noting that the card comes with certain terms & conditions for insurance and rewards, and some of its benefits may not be useful for everyone. Nonetheless, the IDFC FIRST Select Credit Card may be worth considering for those seeking a premium credit card option.
Overview
Best Suited |
Rewards & Online Shopping. |
Rewards |
10x Rewards for every ₹125 spent on purchases above ₹25,000. |
Welcome Bonus |
Gift voucher worth ₹500 and a cashback of 5% on the first EMI transaction done within 90 days of card activation |
Annual/Joining Fee |
No joining fee. |
Who Should Opt for IDFC FIRST Bank Select Credit Card?
The IDFC FIRST Select Credit Card is ideal for individuals seeking an all-around credit card experience. This card comes with a wide range of benefits, including gift vouchers, travel benefits, movie & dining benefits, insurance benefits, and more. With its 5% cashback on EMI transactions, airport lounge access, fuel surcharge waiver, complimentary movie tickets, and discounts on dining, this card caters to users’ diverse needs. Additionally, its low forex markup fee, insurance coverage, and reward points program make it a smart financial tool. With its 24/7 concierge services and flexible payment options, the IDFC FIRST Select Credit Card offers a convenient and seamless payment experience. Get the best of both worlds with this all-encompassing credit card.
Reward Points
IDFC FIRST Select Credit Card offers decent rewards on purchases. Also, the reward points come with no expiry date and relatively easy redemption options. Users will get the following:
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1X= 1 Reward Point per ₹125 spent |
1 Reward Point= ₹0.25 |
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10X Reward Points on incremental purchases greater than ₹25,000 per billing cycle
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10X Reward Points on Birthday
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6X Reward Points on all online purchases
- 3X Reward Points on all offline purchases
Reward Points earning and a 10X threshold are not applicable for Fuel, EMI, Insurance transactions, and Cash Withdrawals.
How to Apply for IDFC FIRST Select Credit Card?
If the user is an offline person, just head over to the nearest IDFC FIRST Bank branch with the required documents, and fill out a physical application form.
For those who prefer the convenience of online applications, simply follow these simple steps:
Step 1: Visit the IDFC FIRST Bank website and navigate to the credit card section.
Step 2: Select the IDFC FIRST Select Credit Card from the available options.
Step 3: Fill out the online application form with personal and financial details.
Step 4: Upload the required documents, such as identity proof and income proof.
Step 5: Submit the application and wait for the bank's decision.
It's always a good idea to carefully review the terms and conditions of the credit card before applying and to consult with a financial advisor or the bank in case of any questions or concerns.
IDFC FIRST Select Credit Card Eligibility
Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.
Documents Required
- Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.