IDFC
IDFC FIRST Select Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹750 Rewards
Top Benefits
Earn 3X Reward Points on Rental, Government, Education
and Wallet Load Spends i.e. 3 reward points per ₹200 spent
Earn 10X Reward Points on Eligible
spends i.e. 10 reward points per ₹200 spent (1 point = ₹0.25), reward points never expire
Best For
Shopping
Travel
Utility Bills
Joining/Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
12LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- 10X reward points on eligible spends that never expire (1 point = ₹0.25)
- 33% bonus reward points on hotel bookings and 13% on flights via FIRST Rewards Gallery
- 1 complimentary airport lounge visit per quarter + 4 railway lounge visits per quarter
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Gift Vouchers (Amazon, Flipkart, etc.)
- Merchandise
- Travel Bookings
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
ATM Cash Withdrawals
Cash Advances
EMI Spends
Fuel Spends
Fuel Surcharge
Wallet Reload
Charges
Bank Charges & Fees
Interest Charges
Financial Charges
Processing Fees
Service/Interest Charges
Taxes
All Reversals
Cancelled Transactions
Refunds/Reversals
Balance Transfer
Loan Transactions
Government-related Transactions
For Spends Waiver
ATM Cash Withdrawals
Cash Advances
EMI Spends
Fuel Spends
Fuel Surcharge
Wallet Reload
Charges
Bank Charges & Fees
Interest Charges
Financial Charges
Processing Fees
Service/Interest Charges
Taxes
All Reversals
Cancelled Transactions
Refunds/Reversals
Balance Transfer
Loan Transactions
Government-related Transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 1.99% |
APR Fees 3.85% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases. | 3.85% |
ATM withdrawal A flat fee of ₹199 plus applicable GST is charged per cash withdrawal using the credit card. | ₹199 |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees Not Applicable | Not Applicable |
Cash Payment Fees Not Applicable | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 - ₹100 |
| ₹500 | ₹500 |
| ₹5000 | ₹5000 |
| ₹8000 | ₹8000 |
| ₹10,000 | ₹10,000 |
| ₹10,000 & above | ₹10,000 & above |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹750 Rewards
Top Benefits
Earn 3X Reward Points on Rental, Government, Education
and Wallet Load Spends i.e. 3 reward points per ₹200 spent
Earn 10X Reward Points on Eligible
spends i.e. 10 reward points per ₹200 spent (1 point = ₹0.25), reward points never expire
The smartest way to find your great credit card
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