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

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 Card. For other variants:

• For FIRST Millennia Card — Click here.
• For FIRST Classic Card — Click here.
• For FIRST Wealth Card — Click here.

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.

• To avail of the discount, go through the regular ticketing flow and select IDFC FIRST Select CreditCard / IDFC FIRST Bank Family Credit Card Offer or enter Promo code IDFCCCFS1 for 1 + 1 Movie Tickets and Promo code IDFCCCFS2 for 2 + 2 Movie Tickets.

• Upto 20% discount on 1500+ restaurants across India & 15% discount on 3000+ Health & Wellness Outlets.

Lounge Access

• Enjoy 4 complimentary Domestic Airport Lounge & Railway Lounge Access.

• Quadfurcated to 1 Domestic Airport Lounge & 1 Railway Lounge visit per quarter.

• 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.

• Free Road Side Assistance (RSA) worth INR 1,399.

• 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!