• Rs. 500 in vouchers on spending Rs. 15,000 in 90 days.
• 5% cashback (up to Rs. 1,000) on EMI transactions within 30 days.

Enjoy the benefits from day one!

• Core Rewards:
• 6 Reward Points per Rs. 125 on spends up to Rs. 25,000/month.
• 3 Reward Points per Rs. 125 on spends up to Rs. 25,000/month.
• 3X Reward points on Rental and Property management transactions.
• 10X Reward Points on incremental spends above Rs. 20,000 per month and spends on your birthday.
• Movie & Dining:
• "Buy One Get One" offer on movie tickets (up to Rs. 250) with the Paytm app.
• Up to 20% discount at over 1500 restaurants.
• Rewards Rate:
• 3 Reward Points on each Rs. 125 spent offline.
• 6 Reward Points on each Rs. 125 spent online.
• 10 Reward Points on every Rs. 125 on spends above Rs. 25,000.
• Fuel Surcharge Waiver of 1% on transactions between Rs. 400 and Rs. 4,000.

Reward Points can be redeemed for:

• Cash Credit
• Flight Booking
• Hotel Booking
• Mobile Recharge
• Merchandise
• Gift Vouchers

The redemption value for cash credit is Rs. 0.25 per Reward Point.

• Welcome benefits and cashback on EMI transactions.
• Attractive reward points structure.
• Discounts on movie tickets and dining.
• Fuel surcharge waiver.
• Variety of redemption options for Reward Points.

• Annual fee of Rs. 2,500 (waived off on spending Rs. 2.5 lakhs in the previous year).
• Limited welcome benefits.

• Zero Lost Card Liability.
• Up to 50 days of interest-free credit period.
• 24x7 Concierge Desk.
• Complimentary Mastercard Lounge Access.
• Contactless payment feature.

• Annual Fee: Rs. 2,500 (waived off on spending Rs. 2.5 lakhs in the previous year).
• Interest Rate: Up to 3.49% per month.
• Cash Withdrawal Fee: 3% of the amount withdrawn or Rs. 300, whichever is higher.
• Late Payment Fee: Rs. 100 for outstanding balance up to Rs. 100; Rs. 350 for outstanding balance between Rs. 100 and Rs. 500; Rs. 500 for outstanding balance between Rs. 501 and Rs. 10,000; Rs. 750 for outstanding balance between Rs. 10,001 and Rs. 25,000; Rs. 950 for outstanding balance between Rs. 25,001 and Rs. 50,000; and Rs. 1,000 for outstanding balance above Rs. 50,000.
• Over Limit Fee: 2.5% of the over-limit amount, with a minimum of Rs. 500.

• Is the annual fee of the IDFC First Select Credit Card refundable?

Yes, the annual fee of Rs. 2,500 is refundable if you spend Rs. 2.5 lakhs in the previous year.

• What is the interest rate for this credit card?

The interest rate on the IDFC First Select Credit Card is up to 3.49% per month.

• Is there a cash withdrawal fee?

Yes, there is a cash withdrawal fee of 3% of the amount withdrawn or Rs. 300, whichever is higher.

• What are the late payment charges for this credit card?

The late payment fee varies based on the outstanding balance: Rs. 100 for outstanding balance up to Rs. 100; Rs. 350 for outstanding balance between Rs. 100 and Rs. 500; Rs. 500 for outstanding balance between Rs. 501 and Rs. 10,000; Rs. 750 for outstanding balance between Rs. 10,001 and Rs. 25,000; Rs. 950 for outstanding balance between Rs. 25,001 and Rs. 50,000; and Rs. 1,000 for outstanding balance above Rs. 50,000.

• Is there an over-limit fee for this credit card?

Yes, there is an over-limit fee of 2.5% of the over-limit amount, with a minimum of Rs. 500.