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IDFC FIRST Bank Select Credit Card

IDFC FIRST Bank Select Credit Card

Banking Partner

IDFC Bank

Network

VISA

A premium credit card designed for discerning individuals who value exceptional travel perks. Enjoy complimentary airport lounge access, concierge services, and special privileges at select hotels and restaurants worldwide.

ANNUAL FEE
₹0
REWARD RATE
11% - 15%
CATEGORY
Lifestyle

This card is perfect for you if...

You travel frequently and value airport lounge access as an essential perk

You enjoy dining out and want to maximize rewards on restaurant spending

You're looking for exclusive lifestyle benefits and premium shopping offers

You want personalized concierge services to enhance your lifestyle

You seek travel insurance and protection during your journeys

You prefer a card with flexible redemption options for your rewards

Key Benefits

Welcome Bonus

Gift voucher worth ₹500 and a cashback of 5% on the first EMI transaction done within 90 days of card activation

Rewards

Regular purchases above ₹20,000

10x Reward Points per ₹150

Birthday spending above ₹20,000

10x Reward Points

Regular spending up to ₹20,000

3x Reward Points per ₹150

Utility bills and insurance

1x Reward Point per ₹150

Rewards Structure

Regular purchases above ₹20,000

10x Reward Points per ₹150

Birthday spending above ₹20,000

10x Reward Points

Regular spending up to ₹20,000

3x Reward Points per ₹150

Utility bills and insurance

1x Reward Point per ₹150

Lifestyle Benefits

Entertainment

Buy 1 Get 1 on PayTM app

Dining

Up to 20% discount at 1500+ restaurants

300+ brand offers annually

Health & Wellness

Up to 15% discount at 3000+ outlets

Pros

  • 1% Fuel surcharge waiver

  • 24/7 concierge service

  • Personal Accident cover of ₹5,00,000

  • Low forex markup fee of 1.99%

  • 10X reward points on purchases above ₹25,000

Cons

  • No reward points on Fuel & EMI transactions

  • Gold and Jewellery linked transaction is not permitted for EMI conversion

  • High interest rate from 9% to 42%

  • Limited merchant acceptance in remote areas

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Still Confused Which Card to Choose?

At Plutus, we understand that selecting a credit card from countless options can be overwhelming. Choosing the right card is like entering a long-term financial relationship, it needs to match your lifestyle and support your goals. We're here to help you make that perfect match with personalized comparisons and expert insights.