IDFC FIRST Select Credit Card
Joining Fee: No joining fee
Renewal Fee: No renewal fee
Reward Type: Reward Points
Welcome Benefits
Gift Voucher: Get a ₹500 voucher on spending ₹5,000+ within 30 days of card issuance.
Cashback: 5% cashback on EMI transactions (up to ₹1,000) within 30 days of card issuance.
Reward Points
Accelerated Rewards:
10x points for every ₹125 spent on purchases over ₹20,000.
10x points on birthday spends.
3x points on online spending.
3x points on offline spending up to ₹20,000.
1x points on utility bills and insurance premiums.
Redemption:
Redeem points via Poshvine or exclusive merchant stores.
1 point = ₹0.25.
No expiration on reward points.
Redemption fee: ₹99 + taxes.
Travel Benefits
Airport Services: Free airport meet and greet with discounts on fast track immigration at 450+ global destinations.
Limousine Service: Discounts on airport limousine services in 3,000+ cities across 80+ countries.
Concierge Service: Assistance with booking flights, hotels, dining, and other experiences.
Hotel Access: Exclusive benefits at 900+ hotels, including room upgrades, VIP status, and more.
Lounge Access: 2 free domestic airport lounge visits per quarter (eligible after ₹20,000 spent in a month).
4 complimentary railway lounge visits per quarter.
Roadside Assistance: Complimentary roadside assistance worth ₹1,399.
Movie & Dining Benefits
Movie Tickets: Buy 1 Get 1 offer on PayTM (up to ₹125) twice a month.
Dining Discounts: Up to 20% off at 1,500+ participating restaurants.
Insurance Benefits
Travel Insurance: Coverage of ₹22,500.
Air Accident Cover: ₹1 Crore.
Personal Accident Cover: ₹5,00,000.
Lost Card Liability: Coverage of ₹50,000.
Baggage & Passport Loss: Coverage of USD 500 (checked-in baggage), USD 300 (passport loss).
Flight & Baggage Delay: Coverage of USD 300 (flight delay), USD 100 (baggage delay).
Forex Markup Fee
Low Forex Fee: 1.99% markup on international transactions.
Fuel Surcharge Waiver
Fuel Waiver: 1% surcharge waiver on fuel transactions (max ₹300).
Summary
The IDFC First Select Credit Card offers a range of benefits and privileges on your spending. You can earn up to 10x accelerated reward points, which can be redeemed across various options. Unlike many other cards, the reward points on this card never expire, allowing you to carry them forward year after year. The reward rate is ₹0.25 per point, providing excellent value on your spending. Additionally, the card comes with the added benefit of a lifetime free membership, making it an even more attractive option.