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IDFC FIRST Select Credit Card
Kotak Air Credit Card
Best For
Shopping
Travel
Utility Bills
Best For
Travel
Cashback
APPLY AND GET ₹700 GIFT CARD
Cashback
APPLY AND GET ₹1250 GIFT CARD
Top Benefits
- and Wallet Load Spends i.e. 3 reward points per ₹200 spent
- spends i.e. 10 reward points per ₹200 spent (1 point = ₹0.25), reward points never expire
Top Benefits
- lounge visits annually for primary cardholders subject to spends of ₹60,000 in the previous calendar quarter
- via Kotak Unbox, and 1 Air Mile for every ₹100 on all other spends
Welcome Benefits
Welcome Benefits
- ₹500 gift voucher from choice of brands like Amazon, Bigbasket, Uber, or Lifestyle upon spending ₹5,000 within 30 days of card generation
- Spends are eligible on primary card only
- Not applicable on UPI, Add-on card transactions, wallet load, or EMI converted transactions
Welcome Benefits
Welcome Benefits
- 1,000 Bonus Air Miles as Welcome Benefit credited within 120 days of card issuance, subject to payment of joining fee
Travel Benefits
Flight Benefits
- This card does not offer any benefits in this category
Railway Benefits
- This card does not offer any benefits in this category
Cab Benefits
- This card does not offer any benefits in this category
Bus Benefits
- This card does not offer any benefits in this category
Travel Benefits
Flight Benefits
- 3 Air Miles for every ₹100 spent on Flight & Hotel booking through Kotak Unbox accelerated earn capped at 5,000 Air Miles per statement cycle beyond the cap, 1 Air Mile per ₹100
Railway Benefits
- This card does not offer any benefits in this category
Cab Benefits
- This card does not offer any benefits in this category
Bus Benefits
- This card does not offer any benefits in this category
Lounge Benefits
Airport Lounge Benefits
- 1 complimentary domestic airport lounge visit per quarter at select airports
- Spend ₹20,000 in the current calendar month to unlock lounge access in the following month
Railway Lounge Benefits
- 4 complimentary railway lounge visits per quarter at Indian railway terminals
- Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Lounge Benefits
Airport Lounge Benefits
- 4 complimentary domestic lounge visits annually for primary cardholders, subject to spends of ₹60,000 in the previous calendar quarter
- Domestic access capped at 2 lounges per calendar quarter
- A ₹2 visit-validation charge applies
Railway Lounge Benefits
- This card does not offer any benefits in this category
Movie Tickets
Movie Ticket Benefits
- Buy 1 Get 1 free on movie tickets at select cinemas up to ₹125 on Paytm mobile app (valid twice per month)
Movie Tickets
Movie Ticket Benefits
- This card does not offer any benefits in this category
Dining Benefits
Dining Benefits
- This card does not offer any benefits in this category
Dining Benefits
Dining Benefits
- This card does not offer any benefits in this category
Fuel Benefits
Surcharge Waiver Benefits
- 1% Fuel Surcharge Waiver up to ₹300 per month at all fuel stations across India, on transaction values between ₹200 & ₹5000
Fuel Benefits
- This card does not offer any benefits in this category
Fuel Benefits
Fuel Benefits
- This card does not offer any benefits in this category
Fuel Surcharge Waiver Benefits
- 1% fuel surcharge waiver on fuel transactions at petrol pumps across India. Applicable on transactions between ₹500-5,000, maximum waiver capped at ₹3,500 in an anniversary year
Insurance
Insurance Benefits
- Free trip cancellation cover up to ₹10,000 on flight bookings made with the card
Insurance
Insurance Benefits
- This card does not offer any benefits in this category
Bank Offers
Bank Offers
- This card does not offer any benefits in this category
Bank Offers
Bank Offer
- This card does not offer any benefits in this category
All Reversals
All Reversals
Cancelled Transactions
Cancelled Transactions
Cash Advances
Cash Advances
ATM Cash Withdrawals
ATM Cash Withdrawals
Quasi-Cash Transactions
Quasi-Cash Transactions
Money Transfers
Money Transfers
P2P Transfers
P2P Transfers
Wallet Loads
Wallet Loads
Gift Cards and Vouchers
Gift Cards and Vouchers
EMI Spends
EMI Spends
Bank Charges & Fees
Bank Charges & Fees
Late Payment Fees
Late Payment Fees
Processing Fees
Processing Fees
Financial Charges
Financial Charges
Interest Charges
Interest Charges
Payment Returned Charges
Payment Returned Charges
Service/Interest Charges
Service/Interest Charges
Transaction Charges
Transaction Charges
Education Spends
Education Spends
Fuel Spends
Fuel Spends
Fuel Surcharge
Fuel Surcharge
Toll Payments
Toll Payments
Gambling Transactions
Gambling Transactions
Lottery
Lottery
Online Skill-Based Gaming
Online Skill-Based Gaming
Government-related Transactions
Government-related Transactions
Utility Bill Payments
Utility Bill Payments
Telecom
Telecom
Taxes
Taxes
Insurance Payments
Insurance Payments
Jewellery Purchases
Jewellery Purchases
Forex Transactions
Forex Transactions
Cryptocurrency/Digital Asset Transactions
Cryptocurrency/Digital Asset Transactions
Rent Payment
Rent Payment
Railways
Railways
Transportation
Transportation
Business Services
Business Services
Contracted Services
Contracted Services
Collection Agencies
Collection Agencies
Security Broker Services
Security Broker Services
Charity
Charity
Donations
Donations
Antique Items
Antique Items
Load Money
Load Money
Liquid Assets
Liquid Assets
Outstanding Payments
Outstanding Payments
Voucher Purchases
Voucher Purchases
Miscellaneous
Miscellaneous
Donations to Religious Organizations
Donations to Religious Organizations
Donations to Political Organizations
Donations to Political Organizations
Smartpay
Smartpay
Smartbuy portal
Smartbuy portal
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