IDFC Credit CARD Review


 IDFC Credit Card: A Simplicity of Smooth 1

IDFC Credit card was launched for the Public in March/April 2021 and they had a fairly less revolving credit at that time in the market so went ahead to apply and was in the waiting list during the launch of the credit card. 

After a couple of Weeks received a message saying that the application has been approved and xxx limit will be provided. We were provided with a Visa Signature CC with an immediate virtual card on the IDFC app. The care gets activated immediately and we can use it for online transactions with immediate activation. The card got posted to the home address as requested and was received in T+1 day. 

The card is simple to look no sophisticated looks and like the simplicity. 

Now coming to the benefits : 

1. Its a Visa Signature card so its one of the premium ones with all the premium services like lounge access (airport and railway).BOGO on movie tickets on paytm, 15% Dining discount on upto 1500+ restaurants, 

2. Most of the Neo banks provide these benefits but IDFC bank has also started providing these benefits: a) Virtual Card

               b) Toggle switches on app for locking or unlocking Online/Offline/POS/Temporary blocking transactions

               c) Immediate (Within 5 minutes) replacement of lost card with virtual card and then courier of the physical card. This is one of the best features as I had misplaced my card and applied for replacement of card on the app and within few seconds received a new virtual card and received the physical card by the next working day.

2. Reward points : They have something called as Accelerated Reward points once you cross a specific limit like for eg: if you cross the expenditure by Rs.25000/- for the particular billing cycle beyond then the new reward points for the further expenses for the same billing period will be accelerated to 3X and 6X and so on so forth. But the best part of the rewards is that while making any online payment you can use the rewards instead of the money available in your credit limit too. Also you can apply for cash back to pay the credit card bill. (Conversion rate 1pt = Rs.0.25)

So to conclude its a Very Good Credit which could be recommended to most of the people who spend via Credit Cards.

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