IDFC First Bank
Platinum · First Select
IDFC First Select Credit Card
IDFC First Bank
Lifetime free with 10X online rewards and lounge access
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.8%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹18,000
Total Annual Benefits
₹18,000
Total Annual Charges
₹0
ROI
9999%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
- • 2 visits per quarter at domestic lounges
8 visits/year
₹16,000/yr
Reward Points (2)
10X Rewards on Online Spends
Earn 10X reward points on all online transactions
- • Valid on all online merchant transactions
10X RP on online
3X Rewards on Offline Spends
Earn 3X reward points on all offline transactions
- • Valid on all POS and offline transactions
3X RP on offline
Other Benefits (1)
Lifetime Free Card
No joining fee, no annual fee — lifetime free
₹0 forever
₹2,360/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
IDFC Reward Points
10X on online, 3X on offline
Effective cashback: 0.75%
Points expire: Never expire
Redemption Options
- → Products & Vouchers via IDFC Rewards Catalogue
- → Flights & Hotels
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Online
10x multiplier
10X reward points on online spends
Offline
3x multiplier
3X reward points on offline spends
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Lifetime free |
| Annual Fee | Free Lifetime free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Lost Card Liability
₹5.0 L
Report within 24h
- • Credit liability cover: ₹5 Lakh
- • Fraud protection on lost/stolen card
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 2 complimentary visits per quarter at partner lounges
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Lifetime free — no joining or annual fee Never-expiring reward points 10X rewards on online spends
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IDFC First Select Credit Card is a lifetime-free Visa Platinum card offering 10X reward points on online spends and 3X on offline spends. With 2 c...
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