IDFC FIRST Select Credit Card Apply – Review Details: In today’s article I am going to tell you about the IDFC FIRST Bank Select Credit Card offered by IDFC First Bank like how to apply for IDFC First Bank Credit Card, which documents will be required
Apart from this you will read what is the eligibility criteria, how much limit can be found, where credit card can be used, apart from this, you will also get answers to some important questions related to this credit card, then you must read this article till the end.
At present, new credit cards are being launched, which come with some kind of cashback offers, reward point benefits etc. If you mostly do online shopping, travelling, eating out in restaurants, filling petrol, booking movie tickets etc. want to take credit card which is free for life time without any joining fee, no annual fee can be used in.
What is IDFC First Select Credit Card?
IDFC First Bank is a premium credit card that offers highest cashback offers, reward points. This credit card is specially introduced by IDFC Bank keeping in view the lifestyle of the people which comes without any joining fee, subscription fee, annual fee. This credit card offers exorbitant offers as compared to other credit cards which is free for life time.
The reward points you get on this credit card never expire. With the help of this credit card, you can withdraw money from ATM without any interest rate for 48 days. The interest rate for this card ranges from 0.75% to 2.99% per month.
Read Also : Axis Bank Neo Credit Card
Who can take IDFC First Select Credit Card?
If you are an Indian and your age is more than 21 years then you can apply for this card but there is a condition that the applicant should be a salaried person, self employed, and his monthly salary is more than ₹ 25000 Should be.
Apart from this, the applicant should have a permanent residence certificate, PAN card, salary slip etc. should be given for income proof.
Documents required to get IDFC First Select Credit Card
- Aadhar Card
- Pan Card
- Form 16 /IT Returns/ Salary Slip
- Active Bank Account
- Aadhar Link Mobile No
- A Selfie
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IDFC FIRST Bank SELECT CREDIT CARD Details
Some important information about IDFC First Select Credit Card is mentioned in the table below.
| Card Type | Premium card |
| Card Ratings | 4/5 |
| Best Suited For | Cashback and Online Shopping |
| Joining Fee | Nil (Lifetime Free Credit Card) |
| Key Feature | Up to 10X Reward Points that never expire |
| Reward Rate | Offline Purchases: 3% | Online Purchase: 6% |
IDFC First Select Credit Card Credit Limit
The credit limit for IDFC First Select Credit Card is determined by the bank. IDFC First Bank takes into account a number of factors such as the credit score of the applicant, credit ratio of the applicant along with previous loan repayment, before setting the limit.
IDFC First Select Credit Card interest rate
The interest rate on IDFC First Select Credit Card ranges from 0.75% to 2.99% per month. With the help of this credit card, you can withdraw money for 48 days at no interest rate. Here you do not have to pay any joining fee.
Read Also :Tata QiK EMI Credit Card
Fees and Charges of IDFC FIRST Select Credit Card
For IDFC First Bank Select Credit Card, you have to pay certain fees and charges which are shown in the table below.
| Type of Fee | Amount |
|---|---|
| Joining fee | NIL |
| Over limit fee | NIL |
| Reward redemption fee | NIL |
| foreign exchange markup | 1.99% |
| Late payment fee | 15% of Total Amount Due (subject to a minimum Rs.100 and a maximum of Rs.1,000) |
| International and domestic cash advance fee | Rs.250 |
Benefits of IDFC FIRST Select Credit Card
Various types of cashback offers are given on IDFC First Bank Select Credit Card, here we have told about the benefits, which you can read about below.
- A gift voucher of Rs 500 is given for spending Rs 15,000 within the first 3 months of IDFC First Select Credit Card issuance.
- This card offers 5% cashback on the first EMI transaction done within the first 90 days of card issuance.
- With the help of IDFC First Bank Select Credit Card, you can withdraw money at interest rate from ATMs in the country for 48 days.
- With the help of this credit card, you can get 20% off at 1500+ restaurants across India.
- IDFC First Bank offers 4 complimentary visits to Railway Lounge in 1 year for travel works with Select Credit Card.
- Customer support is available 24/7 for any type of issue.
- The IDFC First Bank Select Credit Card offers personal accident cover up to a maximum of ₹ 500000. There is also a complimentary lost card liability cover of ₹ 25,000.
- You will get various cashback offers on this card. There are redeem offers which can be used to do online transactions.
Read Also : How to apply Axis Bank Credit Card
How to Apply for IDFC First Select Credit Card?
You can follow the steps mentioned below to apply for IDFC First Bank Select Credit Card. Initially, this card will be offered only to existing customers but gradually everyone will be able to apply for the credit card.
Step 1. Visit to the official website of IDFC Bank
Step 2. Now click on Apply Now.
Step 3. After this submit the Aadhar Card, PAN Card, Date of Birth.
Step 4. After this, verify the OTP with your mobile number.
Step 5. Now submit your PAN card, pin code, address.
Step 6. Now you have to click on Proceed.
Step 7. After this select occupation, net income, credit card.
Step 8. After this submit the application form, now you get the credit limit, then you can activate this card through the application and use it.
Keep in mind : If you use the credit card properly, then it can prove to be effective for you, otherwise it does not delay in turning your happiness into sorrow. Therefore, use the card wisely, while taking a credit card, definitely read the terms of condition, interest rate etc.
IDFC FIRST Bank Select Credit Card Customer Care
If you face any kind of problem then you can get the solution of your problem by talking to the customer officer of IDFC First Bank, apart from this you can also get the solution through live chat on the official website.
- IDFC FIRST Bank Customer Toll-free is 18605001111.
- Rural Banking 1800-419-8332
- Loans 1860-500-9900
- Credit Card 1860-500-1111
My Last Word on IDFC FIRST Bank Select Credit Card Review
If I tell about my personal experience, then the Select Credit Card offered by IDFC First Bank can be used for life time without any joining fee, without any annual fee.
The most important thing about this credit card is that with the help of this card, most of the customers can save up to ₹ 10400 in a year. Which is much higher than other credit cards. This credit card can be used to avail cashback offers.
FAQ’ss on the IDFC FIRST Select Credit Card
Q1. Is there any annual fee for IDFC First Select Credit Card?
Ans. There is no joining fee, annual fee or membership fee with this credit card. You can use it for lifetime.
Q2. In how many days does IDFC First Bank Select Credit Card get approved?
Ans. This credit card gets approved within 48 hours to 72 hours, the bank approves the card keeping in mind your credit score, credit history, bank statement, past loan, otherwise the bank can also reject the credit card.
Q3. Will the redeem points earned on this card expire?
Ans. No, the reward points you earn with this credit card will not expire.
Q4. Do I need to enter my credit card PIN at all POS terminals?
Ans. With this credit card in India, you will need to enter a PIN to complete the transaction. If you are abroad, you will need to enter the PIN only if the PIN can be used at the POS terminal for verification.
Q5. In how many days does the IDFC First Bank Select Credit Card Welcome Kit get delivered at home?
Ans. IDFC First Bank Select Credit Card Welcome Kit is delivered at home via post in 15 to 20 days. You can activate it through IDFC First Bank Mobile App.
Q6. What happens if IDFC Bank Select Credit Card fails to pay?
Ans. If you do not pay this credit card on time then you may have to pay late fee, processing fee, interest rate etc. The bank sends you notifications through sms and email, your credit score, if you do not pay on time, Credit limit may be reduced. Apart from this, the bank can freeze your account.
Disclaimer: Apply for credit card according to you, we do not have anything to do with it, we have provided the information here only for education purpose, to avoid any fraud your card details, CVV number, month- year, do not share personal information with anyone.