IDFC FIRST Select Credit Card – Benefits, Fees & Eligibility

1. Introduction

The FIRST Select Credit Card, issued by IDFC FIRST Bank, is a premium offering designed for individuals who seek a balance of exclusive privileges without incurring annual fees. This lifetime-free card stands out with its up to 10X never-expiring reward points, a low forex markup of 1.99%, and a suite of comprehensive travel and lifestyle benefits. It caters to frequent domestic travelers, discerning shoppers, and those who prioritize extensive insurance coverage.

2. Fees & Waiver Math

Fees

• Joining Fee: NIL (Explicit)
• Annual Fee: NIL (Explicit)

Charges

• Interest Rate (APR): From 8.5% - 46.2% per annum (Explicit)
• Foreign Currency Markup: 1.99% + GST (Explicit)
• Cash Advance Fee: ₹199 + GST per transaction (Explicit)
  • Interest-free for up to 45 days (Explicit)
• Fuel Surcharge Waiver: 1% waiver (Explicit) up to ₹300 (Explicit) in a statement cycle (Explicit) on transactions between ₹200 & ₹5,000 (Explicit)
• Reward Redemption Fee: ₹99 + GST per redemption (Explicit)

Late Payment Charges (TABLE)

No data available from input

3. Rewards & Milestone Matrix

Reward Earning Structure (TABLE)

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