IDFC FIRST Select Credit Card

1. 2026 Updated Rewards Structure

• 10X Rewards: Earn 10X Reward Points on all incremental spends above ₹20,000 in a billing cycle and on all spends made on your Birthday.

• 3X Rewards: Earn 3X Reward Points on monthly spends up to ₹20,000.

• Dining & Travel: Now earn 10X points from your very first transaction on Dining, Travel, and International purchases.

• Redemption: 1 Reward Point = ₹0.25. Points never expire and can be redeemed directly against online purchases or for vouchers.

• Note: Points are now earned for every ₹200 spent (previously ₹150).

2. Premium Travel & Lifestyle

• Domestic Airport Lounges: 1 complimentary visit per quarter (Unlocked by spending ₹20,000 in the previous calendar month).

• Railway Lounges: 4 complimentary visits per quarter.

• Movie Offer: Buy One Get One (BOGO) offer on movie tickets (up to ₹125 off) twice a month via the Zomato-owned District app.

• Roadside Assistance: Complimentary 24/7 Roadside Assistance worth ₹1,399.

3. Insurance & Protection

• Personal Accident Cover: ₹5 Lakhs.

• Air Accident Cover: ₹1 Crore.

• Travel Insurance: Coverage up to USD 300 for flight delays, loss of passport, or baggage delay.

• Lost Card Liability: Coverage up to ₹50,000 in case of unauthorized transactions.

4. Fees & Charges

• Joining/Annual Fee: NIL (Lifetime Free).

• Interest Rate (APR): Dynamic rates ranging from 0.75% to 3.65% per month (9% to 43.8% annually).

• Forex Markup: 1.99% + GST.

• Cash Withdrawal Fee: Flat ₹199 per transaction (No interest charged for up to 48 days if repaid by due date).

ELIGIBILITY CRITERIA

To qualify for the IDFC FIRST Select Credit Card, you typically need to meet the following requirements:

• Age: Between 21 and 65 years.

• Employment Type: Salaried or Self-Employed.

• Annual Income: Minimum ₹12 Lakhs per annum (approx. ₹1 Lakh monthly).

• Credit Score: A strong credit history, usually a CIBIL score of 750 or above.

• Location: Must reside in a city where IDFC FIRST Bank has a serviceable presence.

Disclaimer: All logos and images are the property of IDFC FIRST Bank. Benefits, rewards, and eligibility criteria are subject to change as per the bank’s internal policies. Always check the official IDFC FIRST Bank website or mobile app before applying.