IDFC FIRST Select Credit Card, If you’re looking for a credit card that offers a variety of benefits and features, the IDFC FIRST Select Credit Card could be a great choice. It is designed for individuals who want both convenience and rewards. This card provides exciting rewards, easy-to-understand fees, and premium features that suit frequent spenders. Let’s explore what makes this card stand out!
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IDFC FIRST Select Credit Card – Zero Annual Fees
One of the most attractive features of the IDFC FIRST Select Credit Card is that it has no annual fees. Many credit cards charge you a yearly fee, but with this card, you don’t have to worry about that. This means you get to enjoy premium benefits without paying a yearly cost. The card also doesn’t have any joining fees, which makes it even more appealing.
Generous Reward Points
The reward system on this card is amazing. You earn 10X reward points on all spends made above ₹25,000 in a month. You also get 6X reward points on online spending and 3X reward points on offline purchases. The rewards don’t have any expiration date, so you can use them whenever you want. This feature makes the IDFC FIRST Select Credit Card ideal for people who shop often, both online and offline.
IDFC FIRST Select Credit Card – Low Interest Rates
The IDFC FIRST Select Credit Card offers one of the lowest interest rates in the market. The interest rates range between 0.75% to 2.99% per month, depending on your payment history. This is a big advantage if you tend to carry forward your balances. Lower interest rates mean lower financial stress and more savings for you.
Airport Lounge Access
For those who love to travel, this card provides complimentary airport lounge access. You get up to 4 free lounge visits per quarter at domestic airports. This perk is perfect for frequent travelers who want to relax before their flights. Accessing lounges can make your travel experience much more comfortable and enjoyable.
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Fuel Surcharge Waiver
If you use your car frequently, the IDFC FIRST Select Credit Card will help you save on fuel. The card provides a fuel surcharge waiver at fuel stations across India. You can get a waiver of up to ₹300 per statement cycle on fuel purchases. This benefit is highly useful for those who spend a lot on fuel.
No Foreign Transaction Fees
Unlike many other credit cards, the IDFC FIRST Select Credit Card doesn’t charge any foreign currency markup fees. This feature is extremely helpful for travelers who frequently visit international destinations or shop on international websites. Most cards charge a hefty 3-4% on foreign transactions, but with this card, you pay zero fees!
Exclusive Offers on Dining and Shopping
The IDFC FIRST Select Credit Card offers exclusive discounts on dining and shopping. You can enjoy discounts at partnered restaurants and retail outlets across the country. Whether you love eating out or shopping for your favorite brands, you can save a lot with this card. These deals are updated regularly, giving you the opportunity to make the most of your spends.
Here’s a benefits table for the IDFC FIRST Select Credit Card:
| Benefit | Details |
|---|---|
| Annual Fees | Zero annual fees and no joining fees |
| Reward Points | 10X points on spends above ₹25,000/month, 6X on online spends, 3X on offline spends |
| Interest Rates | Low interest rates ranging from 0.75% to 2.99% per month |
| Airport Lounge Access | 4 complimentary domestic lounge visits per quarter |
| Fuel Surcharge Waiver | Waiver of up to ₹300 per statement cycle on fuel purchases |
| Foreign Transaction Fees | Zero foreign currency markup fees |
| Dining & Shopping Offers | Exclusive discounts at partnered restaurants and retail outlets |
| Personal Accident Cover | ₹10 lakh cover for accidents leading to death |
| Railway Lounge Access | 4 complimentary railway lounge visits per quarter |
| Contactless Payment | Secure and quick contactless payment option |
| Interest-Free Cash Withdrawal | Interest-free cash withdrawal for 48 days (cash advance fee applies) |
| Lost Card Liability | Lost card liability protection up to ₹50,000 |
| EMI Conversion | Flexible EMI conversion options at low interest rates |
This table simplifies the key benefits of the IDFC FIRST Select Credit Card for easy reference.
Personal Accident Cover
Safety is always a priority, and the IDFC FIRST Select Credit Card provides personal accident insurance. The card gives you a cover of up to ₹10 lakhs for accidents that lead to death. This feature ensures financial security for your family in case of unfortunate events. It’s a good way to have peace of mind while enjoying your daily activities.
Free Railway Lounge Access
Not only do you get free access to airport lounges, but the IDFC FIRST Select Credit Card also gives you complimentary access to railway lounges. This is a unique benefit not offered by many credit cards. You get up to 4 free visits per quarter to select railway lounges. This perk is perfect for those who frequently travel by train and want to experience a premium travel service.
Contactless Payment
The card comes with contactless payment technology. This means you can simply tap your card at the POS terminal to make payments. It’s fast, secure, and convenient. With rising concerns over the spread of germs, contactless payments have become a preferred method for many.
Interest-Free Cash Withdrawal
Another unique feature of the IDFC FIRST Select Credit Card is its interest-free cash withdrawal. You can withdraw cash from ATMs without any interest for the first 48 days. This feature can be very handy during emergencies when you need immediate access to cash. However, it’s important to note that while there is no interest, a cash advance fee still applies.
Insurance Benefits on Lost Card
Losing your credit card can be a stressful experience. But with the IDFC FIRST Select Credit Card, you don’t have to worry. The card offers lost card liability protection up to ₹50,000. This means if your card is lost or stolen, you are covered for any fraudulent transactions up to this amount. It’s a great feature that adds extra security.
Flexible EMI Options
With the IDFC FIRST Select Credit Card, you get the benefit of flexible EMI options. You can convert your large purchases into easy monthly installments at low interest rates. This is particularly helpful if you are making a big purchase and want to manage your finances better.
In summary, the IDFC FIRST Select Credit Card is loaded with benefits and features that cater to frequent shoppers, travelers, and everyday users.
