IDFC FIRST Select Credit Card | LTF Card | Details & Review

IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

This article is a quadfurcation of the parent article IDFC Bank First Credit Cards Series. In this piece, we outlay the details pertaining to IDFC FIRST Select CardFor other variants:


IDFC FIRST Select Card is an upgraded variant of the Millennia & Classic Card and comes powered with VISA Signature with additional benefits on entertainment, travel, and dining. Details below:


    Welcome Benefits

    • Gift Vouchers worth INR 500 on spending INR 15,000 within 90 days of card set-up.
    • Get 5% cashback on the first EMI transaction performed within 90 days of card set-up.

    Reward Points

    • 10X Reward Points on all Spends above INR 20,000.
    • 10X Rewards on all spends done on your Birthday.
    • 6X Reward Points on Online Spends.
    • 3X Reward Points on all Offline Spends.
    • 1 RP = 0.25 INR.
    • No RP is accrued for Fuel, EMI, Insurance transactions, and Cash Withdrawals.
    • No expiry of RPs.

    Interest-Free Cash Withdrawl

    • Interest-free cash withdrawal from ATMs for up to 48 days.
    • A cash withdrawal fee of INR 250 + Taxes is applicable.

    Entertainment & Dining

    • Buy one get one offer on movie tickets of up to INR 250 per ticket on the Paytm Mobile App, twice every month.
    • Upto 20% discount on 1500+ restaurants across India & 15% discount on 3000+ Health & Wellness Outlets.

    Lounge Access

    • Click here for a list of participating Airport & Railway Lounges.

    Fuel Surcharge Waiver

    • Get fuel surcharge waived at all fuel stations across the country.
    • Fuel surcharge capped at INR 300 per month.

    Protection Shield

    • Personal Accident Cover worth INR 5 Lakh.
    • Personal Accident Cover is applicable only if you carry out at least 1 transaction in the previous month.
    • Complimentary lost card liability cover of INR 50,000.
    • Click here for RSA Terms & Conditions.
    • Comprehensive Travel Insurance Cover of INR 22,500.
    • Travel Insurance Cover includes loss of Checked-In Baggage - INR 7,500; Delay of Checked-In Baggage INR 5,000; Loss of Passport and other documents - INR 5,000; Delay in Flight- INR 5,000.

    Fee & Other Charges

    • Joining & Annual fee: NIL.
    • NIL Overlimit fees.
    • NIL Addon charges.
    • Credit Card Interest Rate – from 0.75% to 2.99% per month.
    • NIL Reward redemption fees.
    • FX Markup – 1.99%.
    • Late Payment Fee – 15% of Total Amount Due (subject to Min Rs 100 and Max up to Rs 1,000).

    CP's Take


    If you are a frequent traveler and eye for a card with decent travel benefits, this card will not disappoint you. Without shelling a dime from your pocket for any joining and annual fee; this card has got a lot to offer from VISA Signature Privileges to Entertainment and from airport & railway lounge accesses to low forex mark-up fee and impressive protection shield. However, we feel that they could have packed in a couple of International Lounges Visit as well. Are we asking too much?

    Thanks for reading!
    IDFC FIRST Select Credit Card | LTF Card | Details & Review IDFC FIRST Select Credit Card | LTF Card | Details & Review Reviewed by Rahmat on February 16, 2021 Rating: 5

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