IDFC FIRST Select Card

 IDFC Select credit card unlocks a world of travel benefits, low interest rates, evergreen rewards. 

Features & Benefits 

Welcome Benefit

• Get welcome voucher of 500 by spending 15000 within 90 days .

Reward Points

• 3X Reward points on offline per 125 spend (0.6%)
• 6X Reward points on Online purchase per 150 spend (1.2%)
• 10X Reward points on incremental purchases above 25,000 and on birthday per 150 spend (2%). 

• Rental and Property management transactions will earn 3XRP & will not be used to calculate 10X reward threshold. 
• No RP for fuel, insurance, cash withdrawals

• 1RP is 25 paise
• Reward redemption fees of 99+GST is applicable.

Aiport Lounge & Railway Lounge Access

• 4 Complimentary Domestic Lounge across India Access/ Quarter. Click here for Domestic Lounge. 
• 4 Complimentary Domestic Lounge Access per quarter. Click here for details.

 Fuel Surcharge

• Enjoy Fuel Surcharge Waiver of 1% Upto 400/month

Forex

• Enjoy forex markup fees of 1.99%

Travel and Air Insurance cover of 1Crore

• Personal Accidental Death cover of 5 Lakh
• Travel Insurance cover upto 22500. Click here for details.
• Complimentary Road Side assistance worth Rs. 1399

Movie Offer

• Enjoy Buy One Get One Movie tickets upto 250 from Paytm Movies twice per month.

Fee

• No Annual /Joining Fee
• Card also offers low interest rate starting from 0.75 - 3.5% per month (9-42% per annum)

Verdict

IDFC Select is a lifestyle free credit card with limited benefits. It's downgraded variant of IDFC Wealth.  The Lounge access are very limited.It also comes with reasonable markup fees. Better to consider IDFC Wealth as it gives better reward rate and benefits.