IDFC First Bank Credit Card Review (All Variants)

By | December 26, 2021
IDFC First Bank Credit Card

IDFC First Bank in Jan 2021 announced their new range of credit cards with dynamic interest rates (first in industry) on revolving balance as one of their USP. Its been couple of months since IDFC cards were launched and now we’ve good number of cardholders to figure out how its all going.

IDFC First bank has 4 different credit card variants and here we’re going to explore the differences between them in detail.

Fees & Charges

Joining/Annual FeeLifetime Free
Welcome Voucher500 INR (spend 15K in first 90 days)

The welcome voucher is good to start with but wish they had given higher value vouchers on premium cards, perhaps with higher spend target.

It’s quite surprising to see that they’ve decided to give out all cards for free – not just for first year, but free for life – including the premium range of cards.

Having said that, you must have a quick look at The Truth about Your Lifetime Free Credit Card for some surprises.

Eligibility

Card VariantEligibility Criteria
IDFC First Millenia<12 Lakhs p.a (Income)
IDFC First Classic>12L & <15L p.a
IDFC First Select>15L & <35L p.a
IDFC First Wealth>35 Lakhs p.a (or high HNW with bank, like >10L balance)

Income is one of the few eligibility criteria that bank uses to decide the card variant. The bank also seem to use credit report/other credit card stmt/NRV on savings ac to find the variant fit for your profile.

Upgrades may likely happen after 6 months based on spends/usage pattern/credit score, etc. We will know that in coming months.

Rewards

Spend TypeRewardsReward Rate
Offline Spends3 RP / 100 INR0.75%
Online Spends6 RP / 100 INR1.5%
Spends >20K (per stmt)10 RP / 100 INR2.5%
Birthday Spends10 RP / 100 INR2.5%
IDFC First Credit Card Rewards
  • 1 Reward Point = 0.25 INR
  • No reward redemption charges

IDFC First bank is the first in industry to introduce same reward structure for all range of cards.

So if you’re looking for rewards, you should be fine with any card and you no longer need to chase the premium/super-premium ones.

Reward redemption is through Poshvine portal and includes Gift cards like Amazon Vouchers as well.

That aside, here are few things you may need to keep in mind:

  1. Reward points do-not accrue on Fuel, EMI & Insurance transactions
  2. Reward points never expire.
  3. If spends are >20K in a stmt, you will earn 2.5% only on spends greater than 20K. So, for spends upto 20K you will only earn the regular rewards, as per the type of spend.

Lounge Access

Access Type / Card TypeMilleniaClassicSelectWealth
Airport Lounge Access (Domestic)4/qtr4/qtr (shared)
Airport Lounge Access (Intl)4/qtr (shared)
Railway Lounge Access4/qtr4/qtr 4/qtr4/qtr
Domestic Spa4/qtr (shared)
Complimentary Airport/Railway Lounge Access & Spa

From my quick research, it seems the spa/domestic/international lounge access accessed via Dreamfolks card on wealth variant is “shared” with a limit of 4 (per qtr).

Apart from that, we don’t know if the Visa Infinite access for domestic access is separate. It’s bit complicated to understand how it would work in real-life. I wish IDFC had made it clear on their product pages.

Other Benefits

  • Golf Benefit: Complimentary Golf rounds on Wealth variant.
  • Buy 1 Get 1 Movie Benefit: Upto Rs.250 on Select & Rs.500 on Wealth variant.
  • Forex Markup Fee: 1.99% on Select & 1.5% on Wealth variant.
  • Free Road Side Assistance(RSA) worth ₹1,399 on all cards, except Millenia.

Revolving Interest Rate

One of the biggest USP of IDFC first card is its low interest rate on revolving credit card balances. For ex, IDFC has said that it may give interest rates as low as 9% based on profile.

But from what we know so far, majority of the customers do-not fall under this bracket as very few have reported such low interest rates so far.

My Interest rate is currently at 22% p.a. for now. IDFC recently reduced the interest rate for some cardholders, after a month of issuance. Let’s see how often they do this change in the future.

How to Apply?

  • Online: Apply Now
  • Offline: Apart from online applications, they’re also taking office applications in select branches. You can either apply via card-on-card application or simply ask branch/BM for recommendation.

I got approved for the IDFC First Select Card via branch/BM recommendation (without visiting the branch).

From my experience and also from what many say, it seems branch can help you get the card even if you’re not pre-approved. Just make sure you’ve an account.

You may also check-out the hands-on experience with IDFC Select card article by Satish for even more details on the card processing time, etc.

Upgrades

Customer care says that the eligibility for upgrade will be shown post 6 months based on spends and repayment pattern.

While we don’t know what type of spends they will expect, I think it should be easy to upgrade by having high NRV, if not via spends.

Ideally speaking, you cant use most beenfits like lounges/spa these days. So its better to let it age for an year or so and attempt for an upgrade when the travel is back to form.

Bottom line

  • CardExpert Rating: 4.5/5

Given that the IDFC First credit cards are all given as Life Time Free, these cards are totally worth holding. For entry-level users, saving ~2% on the spend is made easy with accelerated rewards.

For premium users too, its good to have complimentary airport lounge/spa access on a no-fee card. All these will stay as long as there are sufficient spends to justify the lounge/spa usage. If not, they’ll eventually step into paid version.

Are you approved for the IDFC First Credit Card? Feel free to share your thoughts in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

235 thoughts on “IDFC First Bank Credit Card Review (All Variants)

    1. Siddharth Post author

      Requested for BM recommendation a day back. Will have to wait and see.

      Update: Got approved for the Select Variant. Looks like the branch route works for those who don’t have the pre-approved offer.

      Reply
      1. Chaitanya Mella

        Hi Siddarth, what’s the age of your banking relationship with IDFC Bank. Could be a factor before BMs take requests.

        Reply
        1. Siddharth Post author

          Could be. We never know. Just crossed 4 months.

          Reply
      2. Sameer

        I have an account with IDFC bank unfortunately they neglected to to give me a credit card the reason is that because customer support team told me that the reason should not be disclosed so what is the use of having an account with IDFC bank for such a long time they are calling people and begging them to take but people really want deserve they are not giving them very much disappointed with the service I I also told them that I have better options with different banks to get a pre-approved Service

        Reply
        1. Manish Bharti

          I also tried to apply for idfc credit card have an account for last ten months… Whenever i enter pin code of my area it shows area not serviceable… They have opened my account through video kyc.. But now when i want to change my address they are asking asking to visit branch and nearest nearest branch branch is 200+ km apart.. No option to update address online.

          Reply
      3. ASHISH

        I hold my account with India’s First branch of IDFC bank which is in Naman chambers , BKC, MUMBAI since its inception. Earlier my min. balance was Rs.2-3L , CURRENTLY its 13L , Still didn’t get any kind of approval for any type of card. visited their branch. BM is unable to do anything on my case , did mail to RNO (Nodal officer) but still it didn’t worked out yet. My CIBIL score is 780 & Experian score is 816. Kindly suggest any other option please.

        Reply
  1. Shivi

    What is the criteria to get that 9% RoI? Any observations, anyone?

    Reply
    1. Siddharth Post author

      Likely Credit limit, NRV, etc

      Update: Their document says that APR is linked to credit “score”.

      Reply
      1. RM

        My father, 60+ has been offered 9% interest rates. He has good balance in saving bank a/c and a senior senior FD with them. My wife has even far greater balance than him in savings, similar amount of FD like my father, but is offered a rate of 22%. Though she has a much higher credit limit than my father. God only knows what criteria they follow for lower interest rates!
        Our main reason for getting this card though – no cash withdrawal surcharge makes it a superb option for overseas travel and currency withdrawals. Sply for currencies other than popular ones like Usd/Eur/Gbp where there is more premium on currency purchase in local market.

        Reply
    2. Narendra N C Inampudi

      Criteria is ur credit history/credit score……thats it

      Reply
  2. Srihari Raghavendiran

    I opened an savings account with IDFC just to get the wealth credit card. What I am being offered now is easy buy card with a limit of 3 lakhs. Not sure how useful the easy buy cars is, but still awaiting for the credit card

    Reply
  3. Avinash Chukkapalli

    Can we apply without any prior relationship with the Bank?

    Wife is a Doctor. She didn’t start her ITRs yet. Will she be eligible for any?

    Reply
  4. Maulik Soni

    If U Having Any Active Personal Loan In IDFC. U will Get Pre-approved Offer From Them…

    Reply
    1. Mohsin Hussain

      Does Amazon Pay later and Flipkart pay later (both from IDFC) count as personal loans? Have Flipkart pay later since 2 years, no Savings account in IDFC though. Haven’t got any pre-approved offer yet.

      Reply
  5. Abhi

    Many of the vouchers don’t have fixed redemption denominations. You can redeem for as many RPs as you have. Found this unique to IDFC.

    Reply
    1. manoj singh

      Best thing I found that you can even choose to pay through reward points. It’s value is same as 25paise. I found it very useful. No need to take vouchers as well. Just redeem online directly and get in your account.

      Reply
    2. RAGIB

      Same is with SBi Rewardz also, you can redeem any number of points (in multiples of 4, obviously coz 4 points = 1 rupee)

      Reply
  6. Ajai Singh

    IDFC site gives me a 404 error when I tried to apply for it via the “Apply now” button under WEALTH credit card page.

    I had asked if they had opened up applications offline on card to card basis but they said no in Shimla & Chd.

    Reply
  7. Nakul Pandhi

    In idfc first bank credit card , if I pay the payment of insurance premium.. will I get reward points??

    Reply
    1. Atul Kumar

      You can your insurance premium through Amazon as you can find many insurance company registered for premium payment. I have used it & received the rewards points from the issuing bank.

      Reply
  8. AAJ

    My experience. Initially I got a reject on wealth and after few days received Sms for pre approved Select, applied and received. Once I received Select, got SMS for wealth pre approved, however card was not issued as I had received Select by then.
    Gold as well Cc told wouldn’t accrue points.
    Redemption was easy and more important Amazon voucher was available for redemption- need to wait and see if they remove it like STANC Ultimate did it.

    Reply
    1. AAJ

      Missed to add, I hold SB a/c with them for about an year now.

      Reply
  9. Pragyan

    I got this card yesterday after reading the article. I did have a consumer loan with capital first around 4 years back. Based on that they were sending me a preapproved offer for the wealth card which I never bothered to look at. After reading the article I searched my SMS and found out the link and applied. The card was generated instantly online with 5L limit and 18% ROI. Very good for a lifetime free card issued without any significant relationship and documents. The customer id and last 4 digits of the card are sent on SMS instantly so I could log in through their app and see the virtual card details.

    Reply
    1. Rahul

      Any loan history is more valuable than credit score.. Most banks prefer existing customers.

      Reply
      1. Pragyan

        I bought an AC at no-cost EMI from an offline shop with just a PAN number and no income proof. But based on that providing Wealth variant is pretty cool.

        Reply
  10. Niju

    Has IDFC started taking applications for public with no existing relationship with the bank.

    I tried using the Apply option and as soon as I request for an OTP the website shows a 404 error.

    All the cards seems to provide good rewards.

    Reply
  11. Atul Kumar

    I had a Personal Loan of Rs.1.75 Lakhs 3-4 years back. On that reference i got a Select Card with 2.08 Lakhs limit in the month of March’21. In the first month of uses, i found that this is the best card for rewards as i got 24834 rewards points & i have redeemed it for 6200 Amazon Gift Voucher. Without any fees & lots of features, these idfc cards will break the credit card market to those looks for the rewards points.

    Reply
    1. Hussain Bootwala

      How much did you spend to get these many points?

      Reply
  12. Akshit Garg

    Good to see you back in action Mr. Siddharth. I hope you and your closed ones are fine.
    I regularly follow you on twitter, didn’t see any updates after your tweet on Spirituality, so I though you may have stopped writing these articles now.

    Reply
  13. Shail

    Sid,

    I’m holding some super-premium cards incl. DCB & Wealth cards and, honestly, found Wealth (as I hold one) to be a great card. Here are some of the major benefits/features one must consider –

    1. Rewards redemption – it’s pretty much like cash credit that too with a max reward rate of 2.5% which is actually outstanding. And moreover these points don’t expire ever.

    2. On Wealth variant the 1+1 movie offer can be actually availed twice a month 500+500 =1000 Rs which is again quite significant for movie lovers

    3. Lowest ROI. Mine is 9%. Ofcourse not everyone gets it. However, several ppl reported that the APR% is revised downwards often. In any case it’s the best in the INDUSTRY. Unique benefit in this industry… 9% annual rate and even 18% for that matter is just brilliant.

    4. Intrest free cash withdrawal anywhere in the world – for the bill cycle. Simply considered as an additional expense in the statement and only 250 Rs are levied. Again an USP of these card.

    4. Wealth card gives you effectively 16 lounges – International/domestic/railway, Spas a year which is a good one.

    5. Other benefits which I wouldn’t elaborate include golf, forex @1.5%, insurance etc. etc.

    6. Pretty good customer care and smooth onboarding experience

    7. And above all variants incl. Wealth are offered life time free.

    Sid, i feel, these cards (atleast Wealth variant) deserves to get 4.5/5* rating.

    Reply
      1. Shail

        Thanks, Sid.

        You may also like to update your post to include some of the features mentioned in my above comment. Some of these are significant ones which make this card a unique one

        You may like to include –
        1. 0% interest on ATM withdrawal
        2. 250/500 Rs movie offer twice a month based on card variant (i.e. 500×2=1000 Rs on wealth) and not only 250/500
        3. Statement/cash credit like redemption which makes it reward rate even more appealing

        Reply
    1. manoj kumar singh

      Just want to know about lounges
      Is it 4 domestic
      4 international
      4 spa and 4 railway all are separate. I think 4 domestic international and spa are shared or combined. Please clarify

      Reply
      1. Raja

        Total only 4 per quarter. If you have Millennia, Classic or Select, then use the credit card to avail the access. If you have Wealth card, then use the credit card for domestic and the DreamFolks for international lounge and Spa access. As it is lock down in most places, we can only be sure if someone actually travels enough international and domestic trips and avails the lounge access within a quarter to exactly know if it is 4 domestic plus 4 international/spa or totally only 4 combined. I have not travelled since the Corona outbreak in March 2020, so not really concerned how many access I get, and I also don’t foresee travelling in the near future…

        Reply
  14. phanilkumar

    IDFC FIRST SELECT CREDIT CARD is a Super credit card with no expiry of rewards with life time free credit card.i got it with Rs.160000 limit at 15% interest rate. If you purchase above Rs.20000 in a month you will get 2.5% rewards like Amazon voucher etc.,, or you can redeem to existing credit card balance. ###YOUR SEARCH FOR HIGH REWARDED CREDIT CARD WILL ENDS WITH THIS CARD”

    Reply
  15. Abhi

    Got the wealth variant with 10L limit and 9% APR as part of initial invites. Had a healthy bank balance with them, well I had parked funds there for that 7% back then so I guess that’s why a decent credit limit given, but 9% am not sure how they ve given despite only having a fair credit score and not a stellar credit score. During acc opening which was just 1yr prior to getting the card, they had requested my income details also. With IDFC what I could infer is, both limit and APR offered depends first on how much AQB you have maintained, then your income, and then your credit scores.

    Reply
  16. Abhi

    Has anyone got wealth variant without having an account in IDFC?

    Reply
    1. Krishna Prasad M

      I received Wealth variant without IDFC bank relationship with 5Lakh limit.

      Reply
    2. Manoj

      I got wealth variant with 9.74L limit on applying online. I have no banking relationship with IDFC. Probably credit score (807) with several loans and cards running without any default lead to instant approval with good limit.

      Reply
  17. Satisfied User

    Apparently the threshold for wealth is at 10 lakhs in the savings account. I have had a good relationship with IDFC with around 40 lakhs in FDs and nearly 10 lakhs kept in their savings account due to the earlier 7% interest rate. I have several cards and a credit score of over 800 along with good ITR. However I was never offered a card. Sometimes I received an SMS or even a call followed by a link but it always said no offer available. On the other hand, my wife has around 60 lakhs in FDs nad over 10 lakhs in savings. She also had no offer but towards the end of March I received a call and a link via WhatsApp. She has no other card or loan. She was instantly approved for the Wealth variant with a limit of 9.6 lakhs and an interest rate of 12%. The card was dispatched the same night and received the next day!!

    I decided to visit the branch and the manager asked his credit card head to look into it. At first he said there was nothing he could do. Then I transferred a few lakhs more to the savings account having it go over 10 lakhs by chance.

    When I went back to the branch, the manager now did some tweaks on the computer and told me there was an offer of 6.9 lakhs for me with an interest rate of 9%. Once again I got the card the next day. Dreamfolks card came abou 4 days later.

    One interesting thing I found is that when you are making a payment in some websites, there is an option to redeem points. If you select that, you get cashback for the points value credited to your card in a couple of days. Overall at. 75 Rupee per 100 spent, the rewards are not that great but the international lounge access is good via Dreamfolks.

    Reply
    1. Siddharth Post author

      “When I went back to the branch, the manager now did some tweaks on the computer and told me there was an offer of 6.9 lakhs for me” – This is quite an interesting point. Thanks for sharing.

      Reply
      1. Raja

        I suppose you meant Rs.75 for Rs.1000 spent which is 0.75%. The attraction is actually the 2.5% for spends more than 20k.

        Reply
    2. manoj singh

      75rs per 100 points is also good reward. Can you share some such sites.

      Reply
      1. Lobogris

        I said .75 meaning 75 paise. Looks like people haven’t seen the little dot. I should have said 0.75.

        Reply
    3. Sandesh Jain

      Hey, could you please share more info on what that “tweak” was?

      Reply
      1. Lobogris

        I don’t know the details. The manager called his credit card team lead and first he spent about 5 minutes tapping on the computer. Then the manager spent a few minutes and informed me that there was now an offer of 6.9 lakhs at 9% interest rate. Perhaps there is some way they have of manually triggering an offer even though they were adamant that they had no ability to do so.

        Reply
    4. ram

      dont u think u have too much money in FDs? why not Mutual funds?

      Reply
      1. Lobogris

        This was just some extra cash for liquidity purposes.

        Reply
  18. Raja

    Has anyone received the Rs.500 welcome gift voucher yet? I received my card in Jan and completed the spending target of 15k by mid-Feb but no voucher yet. Anyone has any idea?

    Reply
    1. RAMESH PADMANABAN

      In have received. Please goto rewards link from the app and the voucher will be visible.

      Reply
    2. Abhi

      Yes, received and redeemed in Apr end. My card also came in Jan and hit target in Feb.

      Reply
    3. Ramesh Kumar

      Yes, I received last week for card issued on last week of Jan.

      Reply
  19. Hitesh

    Hi Siddharth,

    M being offered the signature card. Do you think it’s logical to take it or ask them for wealth?
    The card is good but i think i should get a infinite card

    Reply
    1. Siddharth Post author

      Select is a decent one. You may hope for an upgrade after 6 months.

      Reply
  20. Satish Kumar Agarwal

    Dear Raja
    I got card in January and have received this voucher around 15-20 days back. They didn’t send it.

    One fine day, on visiting their redemption website via in-app “Redeem reward points” option, this welcome voucher option flashed like– “you are eligible for welcome voucher worth 500/-“.

    Immediately, I clicked upon that message and was given an option to select a choice among 4 GVs, one of them was Amazon pay. So picked that happily.

    Reply
    1. manoj kumar singh

      Yes I got this 500 Rs GV from the reward section in app.

      Reply
    2. Raja

      Found it and redeemed Amazon gift card using the poshvine site. It asks for the mobile number after which OTP is generated. Upon entering the OTP and the first 4 digits and last 4 digits of credit card, the redemption page is logged in. The welcome voucher is shown first thing and easy to choose and claim. The voucher code is instantly shown on screen and also sent by email/sms. Wish they could have emailed the welcome voucher link or at least informed the process of collecting the welcome gift. Thanks for the info!

      Reply
  21. Akram Khan

    I got the pre approved Select variant in January and after using more than three months I can easily say that IDFC FIRST card is the best and now my most favorite credit card among other 7 cards in my wallet, specially in this pandemic era where no gimmick is working which are offered on other attractive credit cards. The best part is rewards points redemption experience, which is a cash equivalent. Its really make a sense of comfort while using this card when you know that there are no formal or hidden charges, means you are less likely to indulge into reaching a customer care executive. And finally one of the best mobile App interface for seamless experience of your card services.

    Reply
  22. Ram

    Bro i am using both IDFC first and HDFC millennia credit card and i feel HDFC millennia scores over IDFC when it comes to rent payment. It deserves over 4 rating too considering you get around 1000 rs month on month for rental payments. perhaps you should post a dedicated article just for best rental payment credit card

    Reply
  23. Abhishek

    Never seen such banking experience with TOP CLASS SUPPORT. I had a pre approved CC in my account but due to technical difficulties I was not able to apply for it. I just used CALL BACK feature of IDFC First Bank Support and they approved it instantly. Even I can use the card with full limit without getting card on my hand. I mean literally other Private bank should follow IDFC First Bank as they are not able to provide such fast Banking Experience yet.

    Reply
  24. Rachit

    Can anyone confirm if wallet and fuel transactions are considered for RPs?

    Reply
  25. Atul Kumar

    Yes I can confirm it bcz I have got the reward point for wallet transfer.

    Reply
    1. Raja

      6x for wallet loads. Nothing for fuel. The fuel spends does not even accumulate towards the 20k target for getting 10x points.

      Reply
  26. arko

    got this mail. I have high credit score and bank called me up to offer IDFC First Select with 2 lakhs limit .then I don’t know what happened. I have cards of most of the banks (10-12 credit cards) with no failure in payment ever.
    ———————————————————–
    Dear Customer,

    Greetings from IDFC FIRST Bank.

    Sorry! We regret to inform you that your IDFC FIRST Bank Credit Card application no has been rejected, as it does not meet our internal criteria.

    Always You First,
    Team IDFC FIRST Bank

    Reply
    1. PRAMTESH

      Do you have account or any other relation with the bank?
      Did you applied Card to Card basis.

      Reply
  27. Santosh Kumar

    a tested method to get a CC drop email to your respective state nocal officer. I am from Bangalore so emailed to Karnataka nodal officer. RNO.Bangalore[at]idfcfirstbank.com. saying the following:

    “I have recently opened a savings account with IDFC around 4 months ago. The main reason behind this was to get hold of your newly launched credit card.

    Could you please have a look at the possibility of issuing me a credit card.

    I also have maintained a balance of more than 2.5L in the recent past. I request you to check if it’s possible for you to recheck my eligibility and get back to me?”

    Got a call in few hours application processed card received instantly. got Select variant

    Reply
    1. ZAHID

      Dropped email to nodal officer (Kolkata) but it didn’t worked. Account is almost 5 months old. AMB is more than 4 L. Have FD & RD account also. Got mail from credit card team asking to show interest via SMS or thru their site.

      Reply
      1. Santosh

        If you don’t mind me asking, is everything else alright with regards to your cibil others loan repayments etc?

        Thanks

        Reply
  28. Raja

    Yesterday evening I have seen offer for select credit card with limit 1.5lac. I didn’t proceed that time. I wanted to see its reviews. When I re login after an hour there was no option then. I couldn’t understand why they removed instantly. I have a saving account for last 5 months

    Reply
      1. Raja

        Finally got offer for select card with limit 1.5 lac, in mobile app. I accepted and filled basic details. Now card is showing in mobile app. Very quick process. Hardly 1 minute. I had opened saving account with visa signature debit card. Balance maintenance hardly around 50k. Liked their quick way

        Reply
  29. Indian guy

    I have the select signature credit card and the income criteria does not apply. My income is less than 15 lakhs now. Left the rat race. Though my credit score is 800 , so might have helped.

    Reply
  30. PRAMTESH

    I don’t have account with IDFC. But after reading the views here. I saw people are getting credit card without account. So even I submitted the application request.
    I think it’s almost 3 months. I tried 2-3 again. It shows the same thing.

    “Thank you joining the waiting list.”

    I had sent email to customer care.
    They said same thing.

    But I have noticed one more thing. After submitting the request I am getting Sms for pre approved loan from IDFC.

    Around 2 msg every week.

    Account holders are not getting the card even after emailing to nodal officer.
    I think I will have to wait long

    Reply
          1. ZAHID

            One again sent mail to Nodal Officer. Then got call from credit card team to show interest via SMS. Also tried with branch. Operation Manager asked to wait for 15 days.

  31. PRAMTESH

    In current situation it would not be possible to visit branch, branch is in metro cities.
    I am from suburban.

    But would BM/branch entertain my request?
    I do not have any relationship with the bank.

    Reply
    1. Siddharth Post author

      Got it. They wont.

      Replied for this: “Account holders are not getting the card even after emailing to nodal officer.”

      Reply
      1. Santosh Kumar

        I actually tried this route, worked for me! nodal officer. Might also be possible that after raised to nodal officer my bank guys pushed it forward, i am from BLR so maybe things move faster here.

        Reply
      2. Credit card maniac

        I had opened account in January for credit card and since waited with patience maintaing 5 figure balance. Ran out of patience so emailed nodal officer and a day later I got call back for acceptance of pre-approved card offer.

        Reply
  32. Prashant

    I could not get my branch details also. On enquiring on phone they said they won’t share the number.

    Reply
  33. Sunil Patel

    Please try application thru rm. I am idfc account tried applying thru online channels but rejected. Rm gave me instant insight about my credit limit and roi. Gave otp approval on Friday and card recieved on monday with exact limt and roi as informed by my RM

    Reply
  34. Utkarsha

    I just visited IDFC First bank in Thane and had conversation with one of the executive. She said card is only for account holders of IDFC.

    Reply
  35. Daksh

    I also mailed nodal officer and got a pre approved offer for Select Variant on my 5 Months old bank account. In application I asked for wealth Card as I also mailed them my Infinia credit card statement.

    Reply
  36. Raja

    Got offer for select credit card on mobile on 11 June 2021 and filled online data and approved instantly and finally received credit card today (14/06/21). Quickest service by idfc bank just in 3 days. Impressed by their service. Let’s see after using it.

    Reply
  37. Raja

    Today received an sms for my unused Select credit card stating 10% cashback upto Rs.250 for spending minimum Rs.2000. I immediately swiped more than Rs.2500 and hope to get the Rs.250 but not sure if it will be back to my statement or as gift card. I had been using my wife’s Wealth card all these months instead to maximum utilise the 20k threshold for 10x and left my Select card unused. So, I think this is targeted offer to encourage usage…Offer period mentioned as 12th June to 30th June. Anyone else got this sms?

    By the way, IDFC debit card also is offering 10% upto Rs.1000 cashback until 1st July. This may also be targeted or could be for all. Minimum spend of Rs.5000 accumulated is required.

    Reply
    1. AB

      even these insurance payments does not count towards 20k, last month I used it for rent payment and subsequent payment only counted for 6x points . Strange policy.

      Reply
  38. Raja

    I made an insurance payment through Payzapp and it was classified as Non-BBPS payment and there was no reward points. However, I made another insurance payment on AmazonPay and classified as Amazon Seller Service so I got reward points. So, it would be better to add amount to Payzapp wallet first and then pay the bills for the reward points to be accrued…I just missed out about 2600 points for the 26k payment…

    Reply
  39. Vedha Moorthy

    Thank you Sid for the Valuable suggestions. Opened IDFC account after reading the reviews on cardexpert.in . After 3 months, applied for CC but got rejected and probable reason was already holding “One metal card” by IDFC. 2 days ago got a call from Branch on Pre approved offer on Classic variant @12% and received the card today. Can anyone answer on what is the maximum on that 5% cash back on 1st EMI transaction within 90days of receiving Card? Welcome offer??

    Reply
  40. Yogini

    Got an SMS from IdfcFirst for pre-approved Select CC. I have a 1-year SB Account relationship with the bank. Applied via the link for the CC, gave all necessary information, and after a few days today, got an SMS that “Sorry…. your credit card application has been rejected as it does not meet our internal criteria.” What the hell is this process called IdfcFirstBank?

    Reply
    1. Alok

      call up their credit card number 1860 500 1111. The number is not toll-free so you need balance.
      These days they are asking your employment details and your current correspondence address and they will verify them.
      while filling the form, provide correct address and e-mail of your work. they send an email to your work e-mail to verify. after that a person will come to verify the address that you have mentioned during the application, then you will get the card in 2-3 days.

      My 1st application was rejected saying the same reason as yours but this time I filled all details correctly and got the card.

      Reply
  41. Alok

    Finally received my IDFC SELELCT credit card after a lot of hassle due to me not being present at my current address.
    Looking forward to paying rent from this card now.

    Reply
  42. Raja

    The credit card spend offer fulfilled on 15th July as credit back to card. Rs. 250 received for spending more than Rs.2500. IDFC is quite fast in offer fulfillment…

    Reply
  43. Kartikay

    Has anyone tried cash withdrawal thru ATM?
    What are pros, cons and the maths behind it, can anyone please explain the practical important points?

    Reply
  44. kartikay sharma

    Has anyone tried cash withdrawal thru ATM?
    What are pros, cons and the maths behind it, can anyone please explain the practical important points?

    Reply
  45. SS

    Just got Wealth card approved.
    I opened account about 6 months ago. Funded it with 10.5l.

    I got an SMS for LTF IDFC wealth card. Application took hardly 5 mins and card was approved and ready to use in the app.

    So far I’m very happy with IDFC’s service.

    Reply
    1. Ganesh

      Our, for my wife and me, experiences getting the card (wealth variant) processed and delivered were smooth. Both of us have IDFCfirst bank salary account and the reason for triggering the wealth variant could be having the balance of 5+ lacs in the saving account for a few months.

      R,G

      Reply
  46. Srinivas s

    Anybody got credit limit enhance ments or card varient upgrades after 6 months uasage ?

    Reply
    1. Satish Kumar Agarwal

      Having Select card since last 7 months exactly. No upgrade or LE till now despite good spends

      Reply
      1. Chaitanya

        Hi Sathish, As per the MITC document limit enhancements will be considered only after 12 months of card issuance. The sales guys and cc do give shorter timelines though.

        Reply
    2. Hari

      I got my Select card upgraded to Wealth variant through branch. New card is showing on the app. Yet to receive the new card.

      Reply
      1. Bharath Gurram

        Hari, What’s the criteria which should be fulfilled for the upgrade? Please let us know.

        Reply
      2. Sandeep Kumar

        How old was your select credit card and what is your relationship value with the bank? Only 10+ lacs balance in account will do or you need to buy other products as well?

        Reply
        1. Hari

          There is no fixed criteria. I have an SB account with the bank with not much of a balance. My select card was issued in June 2021. I shared my DCB statement as proof of having a super premium card from other bank and asked them to upgrade to wealth variant. My branch manager asked me send the upgrade request to the credit card team with DCB statement for an upgrade. They approved my request. I was told by the BM that the bank has just started offering upgrades.

          Reply
  47. Amit Kumar

    Anybody know how to proceed for add on card application. Customer care are not taking request.

    Reply
  48. sank

    Is card approval also depends on branch where one is holding the account. I have heard that only select branches can issue CC.

    Reply
  49. Upendran. M

    I applied through the website and surprised to find that I could proceed with my credit card application. Tried once during March and got a message that they will get back. After that there was no response from the bank.
    After giving my details, I got approved for Select variant with 9%int PA and 3.75L CL. (my cibil is 800+, also I hold Infinia and One card with >5L CL). VKYC was done and approved – all in about 15 minutes. Smooth onboarding process.

    Reply
    1. Pramtesh

      Upendran as soon as I saw your comment. I immediately applied the card
      I chose wealth. But they approved me Select with limit of 3lk.
      Even I am having Infinia less than 5lk
      In the drop-down there was no option to select Infinia. So I had to type.
      V-KYC got interrupted. Still got confirmation that V-KYC is completed
      I hope it’s not rejected

      Reply
      1. Upendran. M

        Hi @Pramtesh, I got the approval mail with the card details on 19th night itself, and I got my physical card yesterday (21st). Again a superfast process. So if you are still waiting for approval, better to enquire with customer care.

        Reply
        1. Pramtesh

          Thank you Upendran.
          I spoke to customer care. The application is on hold due to incomplete V-KYC.
          They will be arranging again V-KYC within 48 hours.

          Reply
        2. Pramtesh

          After raising many complaint to customer care, also to Nodal Officer and Principal Nodal Officer. Lastly on twitter.
          I got call from the bank and was told to apply again as fresh application. As earlier link is expired.
          Already I noticed cibil inquiry.
          So this would be again an inquiry I think.
          But good thing is that this time the limit approved is 20% more.
          So I think delay was good

          Reply
          1. Pramtesh

            Update:
            Yesterday I applied the card as fresh application. V-KYC was done correctly this time. And today a bank person came for physical verification. I wasn’t available at home. But he ask my dad about how many years we live in this home. Only 1 question he asked.

            Very strange verification inspite of V-KYC

  50. Ravindra

    I applied for IDFC card and they rejected with internal criteria not matched , when i called them , they told we cant share reason.

    I have all leading bank Luxury category credit card

    This approach of bank will not take them longer run in Credit card business for sure.

    Reply
    1. Pramtesh

      Same thing happened with me. In a history of 10 years. I have 13 banks card(4-5 are super premium including INFINIA) all approved in 1st attempt.

      But IDFC card got reject. Yesterday received sms and email regarding the same.

      V-KYC done successfully. 350k limit alloted.
      Physical verification was also done.
      Both residential and offical address.

      And later evening Bank is sending me messages that my V-KYC is pending for saving account.
      I have never applied for saving account.

      Reply
      1. VINIT KUMAR SINGH

        Well I’ve applied for the same and had V-Kyc on same day(07/09/21).. Today they did physical verification at my office address… I applied on card to card basis so physical verification was not necessary I think…In my view my application might be rejected because when they had to provide the card they don’t go through so much verification.. Only Cibil score and card statement is ok.

        Reply
    1. RAGIB

      Hopefully yes, but can’t be sure as we are still experiencing this new card.

      Do a transaction of Rs 100/- and check after few days if you are getting 6x RPs. Then go for higher wallet recharges.

      Reply
      1. sr

        Added money in payzapp wallet few days back. But until now it’s showing 0 points only. Could you please tell me when they are crediting reward points for these transactions

        Reply
    2. Raja

      Yes, 6x eligible on Payzapp wallet loads. I have been loading and getting 6x since the start….

      Reply
  51. RAGIB

    In IDFC website, airport lounge access details are not present for the Select Card. It only mentions railway lounges.

    Wheather they have removed this facility or forgot to mention that in the upgraded website page.

    Reply
    1. Sandeep Kumar

      It is available on their site, may be you missed it to spot. I accessed lounge at Jaipur airport using my Select credit card on 10th Sep.

      Reply
      1. RAGIB

        Thanks for clarification. I too saw it later but couldn’t delete or modify my comment already posted.

        Your comment will help others not to get confused. 😀

        Reply
  52. Ashwin ROW

    I applied online through their website and got the select card basis my HDFC Diners Privilege card. Got a CL of 300,000 and rate of 1.83 % or 22% annual.

    Any thoughts on how I should improve my interest rate with them?

    Reply
    1. Ashwin ROW

      Quick update
      They approved my application yesterday after mailing me on my official email address. Got an email from their credit risk manager asking me to confirm my designation and office address. Attached my form 16 a & b and my ID card copy and the application got approved.

      I’m hoping they will see my salary details and lower my interest rate in due course of time. Fingers crossed.

      Reply
  53. VINIT KUMAR SINGH

    I applied on card to card basis against my Citi Cashback Card with 1.68 lakh limit and got approved for same limit – IDFC Select card variant… On 7th Sept I applied and today got application approval message and card has been added in my IDFC account.. Hurray!!!!

    Reply
  54. sr

    There is a welcome offer. Spend rs.15k get rs.500 voucher. Is payzapp or paytm wallet loads eligible for this?

    Reply
    1. Abhi

      Not sure if targeted, but I also got a 5% cashback offer on tap & pay on card swipe machines, capped at 1000, in addition to the 10% upto 300 offer. Possibly these two offers (10% and 5%) can get combined.

      Reply
  55. Chaitanya

    When I applied on their website it August the application was declined citing internal policy. Now, after completing 4 months of having a savings account, I received a call stating that I’m pre-approved for the Select variant. Application was processed and approved over the call and received the physical card in two days.

    Reply
  56. Abhi

    Got an offer for balance transfer (BT) from other bank card to IDFC at 1.18% processing fee. As a one time offer this will fetch 10X which is 2.5% . There’s obviously the benefit of extra grace period too. Sounds like a no brainer but just wondering if availing BT can affect credit scores. Have never done it in my 15yr card history across banks.

    Reply
  57. NSY

    please provide more info on 5% cash back on 1st EMI transaction within 90days of receiving Card? Welcome offer?? is it beneficial for opting it knowing no reward points on emi transaction.

    Reply
  58. Varun

    Is railway lounge benefits available on Wealth variant. Can both primary and add use them in Delhi station.

    Reply
  59. Sandeep Kumar

    I’m facing strange issue with my idfc select credit card. Its not working on POS machine (either chip or contactless). Both POS and contactless transactions are enabled on my card. Talked to customer care they told no issue on their side. Replaced the card, it worked for few days then again same issue. For your note, card is handled very carefully and no damage . I’m able to use the card for online transactions. Any idea what could be wrong?

    Reply
    1. ZAHID

      Same issues with me. Got the card (SELECT) changed. Have to do the transaction with new one.

      Reply
    2. Shivi

      Check with the merchant if any specific error was seen on the machine so that you can report the same to the customer care & take corrective steps accordingly.

      Reply
  60. Purna

    I have not received even regular points with idfc card for redgirraffe bill payment via payzapp.

    Reply
  61. AK

    Applied for IDFC First bank Credit Cards on 16th Oct after seeing their full page advert on Times of India and received the card today.
    Process:
    – You need to apply for the card on the website after filling in the form and validating Aadhar Card.
    – Once the form is submitted the Video KYC process starts. You will get a video call from IDFC where you need to show your PAN Card, aadhar Card. They will take a photo of these on the video call
    – Then there will address verification. The rep from IDFC will visit both your home and work address for verification.
    The card will then be issued.

    Reply
  62. Sampath

    I have applied this card yesterday without any income documents. We need to submit Aadhar card which will ask for Authorization. In the Video KYC they have taken my photograph and asked me for PAN Card. Their representative came to my home for verification. They’ve mailed me on my office email ID. Got a message today that my card is approved and in the net banking I can see the full card details. The whole process took less than 24 hrs and that too on weekend.

    Reply
  63. Anurag

    Anyone how to upgrade select cc to wealth cc am holding select since 10+months thxs!

    Reply
  64. Alok

    I too applied yesterday online and it curated to select card, This is the second time i applied as first time the invite it got rejected after Video KYC. This time it showed when i submitted the application select card with 2% per month interst and limit 161000/- then i had this huge video kyc issue their link was not opening up everytime it said camera permission not given even though it was given tried several time more than 30 times with two different links and calling their care team. Then i finally thought ok let me try on my office laptop and voila it opened and video KYC completed and now when it check it is Application verification . i applied crd to card basis. It also mentions by 19th Nov it will be dispatched but i still see they have credit verification and decision and generation not done yet. But i see they have checked in my cibil when i submitted the application . Let us see if i get this.

    Reply
    1. Deepak Kumar

      Same here, the video KYC for the Wealth variant happened on 5th Nov but the card delivery date is getting postponed almost daily. It seems to be stuck at the “Credit Review” step and Application decisioning and Card generation steps still to go..

      Reply
      1. Alok

        I received it today, you may receive a SMS msg stating your application could not be verified kindly update your address with landmark. once you update it next day a physical verification will happen and after that next day or by night you will receive a msg stating card approved and to download their IDFC app and you will see virtual card of the physical. Your physical card will reach in 5 working days.

        But their was a issue wheni checked the interest rate they have given 3%pm . but when i subitted my application it showed 2% APR PM

        Reply
  65. neil

    Hi
    i have two queries:

    1. The welcome voucher of Rs 500 is on cumulative spend of Rs 15K or min one transaction of 15K. My understanding is that it is cumulative but the call centre executive said that it was on a min txn of Rs 15K.

    2. If i do a txn of over 20K, how will i accrue points? Regular Reward points /Rs 100 on entire amount or regular RP/100 up to 20 K and 10pts above 20K?

    Reply
    1. Alok

      IF you use above 15000 you will get 500 INR as welcome bonus if you do it in one transaction or several transaction . but if you transact at once or cumulative above 20 K you will get the bonus only and 10X rewards. I saw my rewards point as 2116 for transaction 35k at once . rewards i could see it today on IDFC App.

      Reply
      1. Alok

        Just checked it says Earned in current period 2119 and when i clicked to se i can redeem it in next period

        Reply
        1. Deepak Kumar

          I checked with customer care, in case of online spending amount >20k, 6x points gets applied by default and the difference is credited at the time of statement generation.

          I had spent 42,216 and can see only 2533 points, whereas it should have been 3421 (1200 + 2221) points. Expecting the remaining points to be credited at the time of statement generation..

          Reply
  66. Ankur

    I have a savings account with IDFC with balance around 5-6L.
    I was repeatedly getting multiple calls for pre approved Select Card. In each call I mentioned if you can offer Wealth, only then I’ll consider and make a note on my account. So today they themselves called saying we are offering you wealth card as you requested. So I agreed and within minutes the card was visible on my IDFC mobile app. Got a message physical card would be delivered within 5 days.
    No documents, no video kyc and card was approved.

    Reply
  67. Sateesh Guptha

    Me too got this card. Their procedure was very smooth. I have applied fir this card online where they had given two options:

    1) credit limit of 150000 without any income proofs
    2) Credit limit upto 300000 with any proof like pay slip and and other bank credit card statement.

    I have chosen option 2 and uploaded pay-slip and My diners club black card statement.

    hola….. application is successful. Then I have got video kyc with beautiful lady and she asked some basic details. That’s it….second step completed.

    In step-3 their executive visited my home and office. In both I am unable to meet him directly since I’m busy in work. He just asked security about me. That’s it… all steps done.

    After a couple of days card was generated with 300000 limit as they promised. Now waiting for physical card which will be delivered today.

    So , finally I have 7 cards in my wallet.

    Reply
    1. Siddharth Post author

      That’s interesting to see the new multi tier credit limit system. Thanks for sharing.

      Reply
      1. Pranab

        Me too also had the same (tier) experience as of Sateesh.
        I was also offered the same 1.5L & 3L limits. I only shared my last Infinia statement.
        Video KYC completed same day (13th Nov) and received the application number.
        But it was stuck in ‘Credit review’. Every day I was checking the status, and it was just adding 1 day to ‘Your card will be delivered by (started with 19th Nov)’. Yesterday (25th), contacted CC over phone and the person informed me that there’ll be a physical verification at my home/office and I’ll get a call from that field person.
        Today (26th), I received messages and mail about my card approval and generation with 3L limit (without physical verification) and it’s showing in app and website.

        Reply
        1. Sachi

          Same happened here but these bunch of idiots made me apply 5 times and all the 5 times applications was rejected instantly.
          I was offered wealth card .
          Got stuck on verification as they said couldn’t verify the address but no one visited me and the adress was so common that it’s a unique in one city and everyone knows it, it’s like a landmark of the city and husband is head of it . But no, these bunch of fools did harm my cibil thrice, earlier twice and now once, as per the entry .
          So I wouldn’t recommend idfc card.
          They hurt me where it hurt most. My cibil was 800 plus and now it’s 757.

          Reply
      2. sateesh guptha

        Thank you Sid sir. I have got APR only 18%p.a. and one more interesting thing is , we can withdraw cash with out any interest upto billing cycle (only negligible cash advance fee of I.N.R.250 is applicable which is also less than any other card).

        Reply
      3. SATEESH GUPTHA

        Now I am having 8 credit cards with me.

        1) HDFC DCB(LTF) taken in 2017
        2)YES FIRST EXCLUSIVE(LTF) taken in 2017
        3)AMEX MRCC(LTF) taken in 2016
        4)AMAZON ICICI(LTF) taken in 2019
        5)AXIS MY ZONE(fee of INR.500 , which is already recovered from Swiggy 40% offer) taken in 2021
        6) Axis select(special fee of 1500 from my RM and I got 2000 amazon voucher) taken in 2021
        7) INDUSIND SIGNATURE LEGEND(LTF) taken in 2021
        8)IDFC FIRST WEALTH(LTF), received one week back

        A big thank you Sid sir. Except amex card, remaining all cards I have taken after reading your reviews only.
        Almost all are LTF cards (in fact I have Got extra money back and with my DCB card I have booked flight tickets and hotels worth 2.5 LAKHS FOR FREE)

        Reply
        1. Darshdeep Singh Grewal

          Hello @Sateesh
          Call the Axis Customer Care and say them that you are a so privileged customer of Axis and you are not happy with the fees of My Zone Credit Card as other friends of yours have it as LTF. Don’t do it but you can threaten them with card closure. It’s not applicable to Select Credit Card.

          Reply
  68. Deepak

    I have finally received my Wealth card with 5,00,000 limit and Interest rate (APR) 9%.

    Reply
  69. Harish Kumar K

    I applied on 11th November 7PM. There were two options for IDFC Select card, 2L limit without income proof and 3L with any income proof. I opted 2L limit and vkyc completed by 7.30PM. Two different executives visited my home and office at 10AM on 12th November. Card got approved by 10.30AM and card was visible on idfc app. Received physical card on Nov 17 delayed delivery from bluedart (expected delivery was 15th). I have no account with them. This increased my total cards to 12.

    Reply
  70. Saurabh Sharma

    I just got an add on wealth card issued for my wife. Let’s see if they send DreamFolks card as well which would mean add-ons will also get spa / international lounge access

    Reply
  71. Jasond

    Since my pin code is unserviceable, despite being a state Capital and with two branches, I opened a account with assurance from them that I will be getting pre approved card within 3-6 months, if not more.

    Reply
  72. Alok

    ok received welcome bonus 500 INR today through email. when i called cust care how to redeem it when there is no code he said i will receive email after 90 days or sms . somehow had my doubts and logged in again on their reward portal and found a banner welcome voucher click on it and redeemed it for amazon pay as other vouchers dont matter to me as i dont use them at all.

    Thanks in Advance

    Reply
  73. V T

    I applied for Wealth card after reading review of IDFC First Credit Card here. Honestly I was not looking for new card as such, but LTF & good list of Lounge was only reason for me to apply. Currently I hold Diners Black & Amex rewards and 2 other. Even though good (Amex & Diners), they get declined at many places. So I have Citi Indian Oil as backup.
    For IDFC, Application process was smooth. They have two choices, either Select with low limit (without docs) or Wealth with high limit (by providing bank statements). I chose later. Video KYC was scheduled next day (27 Nov). After completing video KYC, someone from verification came at my door step within 2 hours which was really fast and surprising for me. I don’t remember having physical verification after my first card in 2011. I have had at least 10 different cards in last decade. Anyway today I got another call from branch to ask why my home address city and office address city is different. After that within couple of hours got SMS that card is approved and will be delivered soon.
    I could check card in app. IOS app is fine. Not as smooth as Amex but nothing to complain about as well.
    Till now IDFC felt good to me. Hopefully they will serve me good. I may open a saving account with them if their credit card service is good.
    I’m currently frustrated with HDFC for their overall attitude. Cant cancel HDFC CC as its my oldest card. But may reduce my relation with them if I get good alternative. Hope “I” can replace “H”.

    Reply
    1. AJ

      Can you share what was the minimum income criteria they told you for Wealth card.

      Reply
      1. V T

        I directly applied on website. Not sure what’s income criteria. On applying wealth they just suggested two option on website, Select with lower limit or Wealth with higher limit.

        Reply
  74. Alok

    Hi All,

    I tested yesterday to see if we get wallet loading points i checked today morning one indeed gets wallet loading points . previously it was 2119 points and today i saw updated as 2240 that means for 2000 RS loading i got 121 points. And loading was for paytm. today i will test for other wallets and see and update it.

    Reply
  75. Alok

    as informed earlier tested mobikwik wallet loading for 2K and was given 120 points for this . check it today. but when i tried trf from wallet to bank mobikwik is charging 2% i lost 48 INR there earlier there was no charge on trf of funds. They have the sillest reason charges to pay banks for trf from wallet to bank. i see for CC but this is new for me charges to trf from wallet to bank.. For everything they charge. thinking of uninstalling it.

    Reply
  76. gunjan sinha

    very bad service I applied for this card on 19th November 2021 but still application status is reflecting on review while as per verification staff it should be delivered within 7days means by 27th November.
    also a very hilarious response i received while checking with their customer care they said sir please don’t check your application regularly that’s why it is being delayed.

    IDFC team if you can’t manage the service then you should not take an application for services.

    Reply
  77. Atul Kumar

    Without the prior information to the customers, they have change their criteria for the Rent Payment & Wallet Load because then i was trying to add money to Paytm wallet or paying my rent through IDFC Card, they have declined my transaction but when i contacted their customer care, they told me only 3 transaction allowed for rent payment & wallet upload after my last bill generation. Anybody faces this issue. Please confirm.

    Reply
  78. Abhi

    When you transact online with idfc card, on otp page you get a checkbox option to ‘pay with points’. It uses your points balance at usual value (25ps), so you don’t always have to redeem points for vouchers. Can use them for direct transactions also. Basically first your card will be charged for the amount you transact, and after a day, the equivalent points are debited from your balance and credited to your Card account in cash.

    Reply
  79. Vaibhav Potdar

    Done all formalities but they rejected saying doesn’t fit in internal criteria.
    Very strange no details of criteria

    Reply
  80. Ragul

    Please suggest me a card which gives discount in F&B also apart from movie tickets?

    Reply
  81. SKS

    In 24 hours I received the IDFC first wealth variant virtual credit card.

    23rd Dec evening 6 pm: I applied through the link shared by Sid.
    3 card options were showing up for me.
    1. Select variant with 2 Lakh limit without needing any proof.
    2. Select variant with 3 Lakh limit, need to submit income proof.
    3. Wealth variant with 7.56 Lakh limit, need to submit my other another credit card statement with limit 6.3 Lakh

    23rd evening 6:30 pm: I went ahead with the wealth variant and submitted the required cc statement and and soon my video kyc happened smoothly.

    24th 2pm: I received a verification email in my office email and I responded to the same.

    24th 4pm: I received sms and email saying my card is approved and will be delivered in 5 days. When I checked the IDFC mobile app I could see the virtual credit card with 7.56Lakh limit.

    Reply
  82. PointsPandit

    Got approved for IDFC First Wealth Credit Card without any income proof or any existing card statement upload. However, card took around 12-14 days for processing despite completing the Video KYC on 1st day itself.

    Reply
  83. venkat

    I am having sb account with IDFC right from 2015. I have Select credit card for last one and a half years. Now they offered me Wealth Debit Card with very good offers.

    Reply
  84. Shradha Singh

    I have a credit card of IDFC FIRST Bank. It is a free for lifetime credit card which offers me an incredible interest rate – way lower than the 3% per month, charged on my other cards. Also, Loved their rewards too, especially using the points to buy stuff online.

    Reply
  85. Pratyush sharma

    Can 10x reward points applicable if i pay rent through cred???i have to pay 45k rent.. please confirm

    Reply
  86. mukund

    I believe 10x rewards are just a marketing ploy and the return is only 2.5% for 10x right?

    Reply
  87. Amrish

    Does IDFC issue their cards to someone who’s already holding a one card. My One card shows as IDFC card on my cibil report, hence asking. I had applied for the select variant and physical verification was done 4 days back. Since then it is stuck on credit review. If IDFC counts onecard also as their own card, then they might decline my application

    Reply
    1. Srinivasan

      No, i hold both one card and idfc select card. They won’t decline the card due to holding one card.

      Reply
  88. manoj singh

    You can have one card along with the idfc card. No issue at all. I also have both

    Reply
  89. Pranab

    Can anyone help me with points redemption as statement credit process please! I can see only ‘Gift cards’ & ‘Membership’ options.

    Reply
    1. Srinivas

      When you buy online with your card on otp page tick check box option to redeem rewards .

      Reply
  90. Iyer

    Applied for wealth card online and it was easy process. Took few minutes and completed video KYC as well. They gave me 9% APR, life time free card. Already hold Infinia, so don’t see major additional benefits other than SPA probably.

    Reply
  91. Iyer

    Update: Within 30 mins of video KYC, got text message with my customer ID and last few digits of credit card number.

    Reply
      1. Iyer

        I didn’t have to upload any documents. Only video KYC verification. They sent the courier details by email yesterday. Pretty fast.

        Reply
  92. ankit

    I applied for IDFC Select card in August 2020 and it was declined mentioning some internal reason. Since then when I try to apply again on its website it says no offer is available for you at this moment. I have CIBIL score over 800 and hold premium cards like diners black. How to proceed ??

    Reply
  93. SR

    Anyone got IDFC First CC approved who already hold OneCard issued by IDFC Bank?

    Please throw some light on how it got approved if online application is getting rejected.

    Reply
    1. SR

      Looks like already answered.
      Please look for comments from Amrish, Srinivasan and manoj singh on Jan 2, 2022.

      But if someone has input to contribute, please comment below.

      Reply
      1. Saurav Das

        No special process for PPL holding Onecard already. In my case, I left my IDFC wealth application incomplete due to fear of delay in approval or outright rejection. Surprisingly, they called me up and processed and approved the application on call. I received the card details and customer ID while I was on the call itself.

        Reply
  94. OP

    After video KYC, next day got message that card is rejected due to internal criteria. My CIBIL is 790+ and I have 6 cards. No prior relationship with IDFC.

    Reply
  95. Tarun

    Hi. I got my IDFC First Wealth card couple of days ago. Can someone tell me when I would get the Dreamfolks card ? Or do I need to apply for it separately?

    Reply
  96. daredevil

    Has anyone tried cash withdrawal?
    Cause IDFC First bank ATM allows only 10k withdrawal at a time. So if my cash withdrawal limit is 20k, and I withdraw 10k twice from ATM, will I be charged 500 Rs or 250 Rs?

    Reply
  97. SR

    Has anyone availed any offers for IDFC First CCs using OneCard issued by IDFC?

    Reply
  98. Ankit Saraf

    Have been getting calls/sms/emails for select card and got email for wealth card today. Immediate approval and card got added to account. Physical card in 5 days.

    Reply
  99. Anav

    I had applied for IDFC First credit card after reading this article with positive reviews on the 3rd of January.

    I had uploaded statement of my super premium credit card but that hasnt helped expediting the verification process and still stuck in verification stage for over two weeks now.

    The worrying part is that
    escalation through the branch and social media haven’t helped.

    Has anyone else faced similar issues or is this an one-off issue?

    Thank you

    Reply
    1. Amrish

      Similar experience with me Anav. I had applied about a week before you. Had uploaded CC statement during application, VKYC done the next day and physical verification at home in 3-4 days. After that it was just kept lying in “Credit Review” for weeks, but finally received the card today

      Reply
      1. Santosh Kumar

        I am hearing they dont particularly like infinia and DCB statements.

        Reply
        1. Pranab

          That’s incorrect.
          In a gap of 2 months, I’ve applied twice (with 2 mobile numbers) for Select, uploading same Infinia statement, received 2 Select cards.

          Reply
      2. Anav

        Amrish,

        Like in your case, my card has been approved after a 21 day wait. I had to escalate to nodal officer to cancel my application.

        Was hoping for wealth variant based on my Infinia CC but select variant has been approved with low credit limit. I dont see any benefit other than Road Side Assistance and ATM cash withdrawal.

        Thank you

        Reply
  100. Vibhav Oswal

    Are offline spends eligible as well for 2.5% cashback above >20k target?

    Reply
  101. Anav

    Thanks Amrish.

    Mine is still in verification stage and there is no response to the escalation email sent to nodal team rno.bangalore(at)idfcfirstbank.com .

    Could find CEO’s email ID, so couldn’t escalate any further.

    I have requested the PNO to cancel my application and withdraw the multiple hard enquiries made by the bank in my CIBIL. Wonder if the latter is feasible.

    Maintained more than INR 5L to improve my chances to get a better credit limit on the card.

    Disappointing experience with the application, so have decided to close the savings account with the bank.

    Lesson learnt : don’t look beyond your current super premium card!

    Reply
  102. Arvind

    Has anyone faced issue sending emails to IDFC First Bank?

    My registered email id is an outlook one (outlook.com) and email sent from Outlook does not reach bank.

    Got it confirmed after the branch manager did not received my emails sent multiple times.

    Mails sent from Gmail reached promptly.

    Regards

    Reply

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