IDFC FIRST Select Credit Card comes with one of the best benefits of a lifetime free fee. To avail of this credit card, you do not have to pay any joining fee, renewal fee, and annual fee.
IDFC FIRST Select credit card features and benefits:
The credit card, considering lifestyle and expense habits, is embedded with features and benefits, which are discussed in brief below:
Welcome Benefits:- IDFC FIRST Select card comes with attractive welcome benefits.
- Rs.500 gift voucher at the expense of 15000 within 90 days of issuing the card.
- 5% cash back on the first EMI transaction performed within 90 days from the date of issue.
Reward points:- This credit card offers a facility where earning reward points never ends. It offers
- 6X reward points on online purchases
- 10X reward points on expenses above Rs.20000
- 10X reward points on every transaction you make on your birthday.
- 3X reward points for every offline purchase
- A 1-reward on every Rs.100 spent.
You can redeem these reward points free of charge for travel, dining, and shopping but not for fuel, insurance, and EMI.
ATM Withdrawal benefit:- With this credit card, you can enjoy interest-free cash withdrawals from any Indian ATM for 48 days.
Entertainment & Dining benefits:- The credit card offers benefits at restaurants, health and wellness outlets, and movie ticket bookings.
- Buy one movie ticket and get one worth Rs.250 for free twice every month.
- Get a discount of up to 15% at more than 3000 health and wellness centers.
- Get a discount of up to 20% at 1500+ restaurants.
Fuel benefits:- This credit card offers you a monthly fuel surcharge waiver of up to Rs.300 at any Indian petrol pump.
Travel benefits:- This card offers impressive travel benefits to enjoy within the country.
- Free Road Side Assistance (RSA) of up to Rs.1399.
- Free 4-airport lounge access at domestic airports every quarter.
- Free 4-railway lounge access every quarter.
- Rs.22500 comprehensive travel insurance cover in loss of checked-in baggage, passports, and other documents and when flights delay.
Insurance benefits:- The IDFC FIRST Select Credit Card offers insurance benefits of up to Rs. 5 lack personal accident cover and a complimentary lost card liability cover of up to Rs.50000.
Other Benefits:- this credit card offers a low revolving interest rate than other banks. The Forex Markup Fee is 1.99%, excluding GST.
Repayment methods:- This credit card charges 15% of the total amount due as a late payment fee, which may be subject to Rs.100-Rs.1000.
Add-on cards:- You can get up to four add-on cards for your family members, allowing them to enjoy the benefits of your credit card.
EMI options:- This credit card offers easy monthly installments (EMIs) on transactions above Rs.2500 at low-interest rates.
Contactless payments:- The IDFC FIRST Select Credit Card is a chip-based credit card that ensures seamless contactless transactions.
Overall, the IDFC FIRST Select Credit Card is a worthy option for individuals who want a lifetime-free credit card with never-ending decent earn reward points if you have the high expense and complimentary domestic lounge access.