The Select Credit Card provided by IDFC FIRST Bank comes with great benefits and privileges, such as points that never expire and complimentary airport lounge access. This card is best suited for those who seek for rewards and enjoy purchasing online. To know more about it, keep reading!

Features and Benefits

This card comes with the following features:

Joining Benefits,
Nil Joining or Annual Fee,
Up to 10X Reward Points,
Travel Benefits,
Buy 1 Get 1 Free movie ticket offer,
Personal Accident Cover of Rs. 5 Lakh & Complimentary Lost Card Liability Cover of Rs. 50,000,
Fuel surcharge waiver at all fuel stations across India up to Rs. 300 every month,
Interest-free cash withdrawal from ATMs for up to 48 days.

Joining Benefits

This card welcome the new clients with the following benefits:

Gift vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days of card set-up,
5% cashback on your first EMI transaction made within 90 days of card set-up.

Nil Joining or Annual Fee

This card is free for life time. This way, it comes with no joining or annual fees.

Up to 10X Reward Points

By purchasing with this card, you get very attractive rewards and points that never expire. It works like this:

10X Reward Points on incremental purchases greater than Rs. 25,000 per billing cycle,
10X Reward Points on your Birthday,
6X Reward Points on all online purchases,
3X Reward Points on all offline purchases.

Travel Benefits

The travel benefits are:

Complimentary domestic airport lounge access (4 per quarter),
Complimentary railway lounge access (4 per quarter),
Low foreign exchange mark-up fee of 1.99%,
Comprehensive Travel Insurance Cover of Rs. 22,500 (Loss of Checked-In Baggage – Rs. 7,500; Delay of Checked-In Baggage Rs. 5,000; Loss of Passport and other documents – Rs. 5,000; Delay in Flight- Rs. 5,000).

Fees and Taxes

The charges for this card are:

Joining / Annual Fee	NIL
Over Limit Fee	NIL
Interest Rate / Finance Charges	starting at 0.75% p.m. (9% annually)
Reward Redemption Fee	NIL
Foreign Currency Markup Fee	1.99%
Late Payment Fee	15% of Total Amount Due (subject to Min Rs. 100 and Max up to Rs. 1,250)
International & Domestic Cash Advance Fee	Rs. 250
Return of cheque/Auto Debit/ Payment Return	Rs. 250 per Returned cheque/Auto Debit/ Payment Return
EMI Fees	1% of transaction value (minimum Rs. 99), Fee will be levied if booked through any channel, unless done at the Point-of-Sale terminal or merchant website/ app
Card Replacement Fee	Rs. 100

Eligibility Criteria

To apply for this card, you must present the following documents:

Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport,

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,

Proof of Income: The latest one or 2 salary slips (not more than 3 months old), Latest Form 16, and IT Returns.

To apply, click here!