IDFC First Bank Credit Card Review (All Variants)

By | May 18, 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.


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.


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: You may show interest online on IDFC website after which you may get a callback once you’re eligible for a card. It seems they may take ~6 months for new savings ac’s to get the pre-approved offer.
  • 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.


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.

138 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.

      1. Chaitanya Mella

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

        1. Siddharth Post author

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

      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

      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.

  1. Shivi

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

    1. Siddharth Post author

      Likely Credit limit, NRV, etc

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

      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.

    2. Narendra N C Inampudi

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

  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

  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?

  4. Maulik Soni

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

    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.

  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.

    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.

    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)

  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.

  7. Nakul Pandhi

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

    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.

  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.

    1. AAJ

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

  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.

    1. Rahul

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

      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.

  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.

  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.

    1. Hussain Bootwala

      How much did you spend to get these many points?

  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.

  13. Shail


    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.

      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

    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

      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…

  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”

  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.

  16. Abhi

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

  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.

    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.

      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.

    2. manoj singh

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

      1. Lobogris

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

    3. Sandesh Jain

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

      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.

    4. ram

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

      1. Lobogris

        This was just some extra cash for liquidity purposes.

  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?


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

    2. Abhi

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

    3. Ramesh Kumar

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

  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

    1. Siddharth Post author

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

  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.

    1. manoj kumar singh

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

    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!

  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.

  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

  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.

  24. Rachit

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

  25. Atul Kumar

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

    1. Raja

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

  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


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

  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] 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

    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.

      1. Santosh

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


  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

      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

  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.


    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

          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.


    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.

    1. Siddharth Post author

      Got it. They wont.

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

      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.

      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.

  32. Prashant

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

  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

  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.

  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.

  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.

  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.

    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.

  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…

  39. Vedha Moorthy

    Thank you Sid for the Valuable suggestions. Opened IDFC account after reading the reviews on . 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??

  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?

    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.

  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.

  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…

  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?

  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?

  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.

  46. Srinivas s

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

    1. Satish Kumar Agarwal

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

      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.

  47. Amit Kumar

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

  48. 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.

    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

      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.

        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.

        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

          1. Pramtesh

            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

  49. 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.

    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.


        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.

    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.

      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

  50. 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.

    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.

      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. 😀

  51. 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?

    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.


    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!!!!

  53. sr

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


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