Query regarding IDFC First Select cc
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Please share your opinions whether it's useful or not?
Apart from BOGO movie tickets are there any good offers or discounts?
Also, is there any referal benefit or voucher for joining?
Thanks in advance
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4 Airport and Railway Lounge Access, If you travel. (Minimum spend of 5000 is required in the previous month.)
Complimentary Roadside Assistance
10x Rewards if spending more than 25K in a month.
Referral benefit: 500 Rs (2000 Reward Points) to both if Rs 500 is spent within 30 days of the card issuance.
I have kept it mainly for roadside assistance, dont use it much. Sometimes get offer for Yatra bus ticket booking of specific day of the week. Apart from that not many offers.
DM if you don't wanna go public
It is asking for my company details and I'm not allowed to share my company details like email id, etc. Is there any way to proceed without sharing such details?
Make another email id on gmail and give it as company email
Can someone confirm - Are 10x rewards applicable on a spends more than 20k or 25k in a month?
It's not 20k or 25k, it's 30k 
I have applied and completed vkyc as well few days back, but did not get any response from them. So I mailed them that pls provide update on my application and now they are saying the I'm still pending with vkyc.
Has anyone faced such issue?
I have applied for idfc credit card when I was apply it showed approved & showed the credit limit as well after doing vkyc when i check the status is showing pending while applying it was showing no income proof required
Is it approved?
Now I got a mail stating, "unable to process the application, as it does not meet our bank's policy."
After few hours got a mail that my application has been approved.
Confusing.
I once took time to calculate the reward rate (RR) of IDFC FIRST credit cards. They are less rewarding after devaluation + ₹99 + GST reward redemption fee.
Online spends reward rate: (Millennia/Classic/Select):
Millennia/Classic: 6X RPs on online, 1RP per ₹150 (1% RR)
Select: 6X RPs on online, 1RP=₹125 (1.2% RR)
Classic: 800 points up to ₹20000, 200 points between ₹20000 to ₹25000 (1000 total up to ₹25000), 10X but only above ₹25000
Select: 1200 points up to ₹25000, 10X but only above ₹25000
1 point=₹0.25
10X Reward Points example for a big amount e.g. some air tickets (if spending ₹168,700, just for example):
On Classic: you will get 9913 points + 800 points = 10713 points = ₹2678 (1.58% RR) if spending ₹168,700
On Select: you will get 11496 points + 1200 points = 12696 points = ₹3174 (1.88% RR) if spending ₹168,700
The RR is 2% if considering spends purely above threshold, i.e. it rewards high spenders more.
Any best way to avail the welcome benefits?
1.) 500 on 15000 spends within 90 days.
2.) 5% cb on first EMI conversion within 30 days.
Can someone please share if the IDFC First WOW Secured Credit Card will also allow railway lounge access?
25 MAB or 10
And for RM to assure you, how much banking relation have you assured RM.
That would help me calculate the cost benifit.
I closed millenia last year for not being too rewarding, select/wealth are the only ones I would be willing to take.
P.S. For First Select acc(not credit card) upgrade 3 lakh+ is required for at least 3 months.