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Are IDFC CC worth it ?

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TF Premier
So I opened my account recently but I am still waiting to get it unfrozen and given their poor service I am thinking of getting this account closed before completing 14 days. Just wanna know if any of their card is worth waiting for ? Heard they have devalued their cards a lot. Which card should I look out for ?

P.S. Do they offer discount on amazon/flipkart frequently ?
 
Why did they freeze it?

I read the women power account has good offers. And even the regular savin 500 gv of amazon on spending 10k per month. Thinking of getting it for my wife.
 
Why did they freeze it?

I read the women power account has good offers. And even the regular savin 500 gv of amazon on spending 10k per month. Thinking of getting it for my wife.
New account, KYC verification is still in process as my communication address is different.
 
So I opened my account recently but I am still waiting to get it unfrozen and given their poor service I am thinking of getting this account closed before completing 14 days. Just wanna know if any of their card is worth waiting for ? Heard they have devalued their cards a lot. Which card should I look out for ?

P.S. Do they offer discount on amazon/flipkart frequently ?
I would say not.. atleast not till the Select variant which is the one I have.. have hardly had the card for 6 months. Right after I took it they started heavy, multiple cycle of devaluations.

They reduced rewards on rent while excluding them from monthly threshold, devalued rewards from 1.5/2.5% to 1.2/2.0%, increased 10x threshold from 20 to 25k, introduced reward redemption fees (wef Oct) & so on. This coupled with the fact they hardly have any portal / merchant specific offers, I'm not finding any spend categories where it's worth using this card.

Aside the fact that it's LTF & certain specific features like Railway lounge access, RSA etc, the core rewards & offers are just non existent now. Seemed reasonably attractive when i initially applied but within 2-3 months it lost pretty much all it's lustre 🙂
 
Aside the fact that it's LTF & certain specific features like Railway lounge access, RSA etc, the core rewards & offers are just non existent now. Seemed reasonably attractive when i initially applied but within 2-3 months it lost pretty much all it's lustre 🙂
Sad will close the account even before receiving welcome kit.
 
If u get Wealth or Select then wait will be worthy else close the account.
I have Classic cc, it is no use for me. I hardly have used in last 6 months. I tried to get Railway lounge benefit but card was not working and lounge executive tried but transaction couldn't processed. I complained once but no help.
I would recommend maintain good amount in hdfc and wait for few months. You will get good cc with good credit limit.
According to me LTF hai toh kuch bhi mat lelo.
 
Quite a few people saying Select to be decent, but what is so special about even Select which is not there in other easily available cards in market? 😅 I have IDFC select like i said above.. with all the devaluations I don't see how even that is good or has any unique USP.

Wealth I haven't explored much & not my variant so don't want to comment on that one. But unless I'm wrong about or missing out on something, dont agree about Select.
 
For your use case, it may not be decent one. I'm not sure which LTF card gives out monthly twice BOGO movie offer, complimentary RSA, possibly lounge access too!
Personal opinion.. but I think the LTF tag is a bit overrated.. many cards have reasonable spend waivers which can be met fairly easily.. There are quite a few such ones with 500-1000 fee giving similar benefits I feel.

Airport lounge is a very common benefit now.. majority entry level cards have 2/4 accesses too.. wouldn't consider that a USP. For movies, IDFC BOGO is on Paytm movies (last I checked) & I've had 2-3 poor experiences with that including booking errors & price / availability mismatch vs BMS (this was in Bangalore).. would've been better if it was BMS.. again many cards have similar-ish BOGO offers even if not as lucrative like this 1+1 twice or 2+2 thing. But basically if you hold 1 or 2 other CCs which most people are likely to.. this benefit is also likely covered anyways.

RSA is a somewhat unique one I would agree & probably railway lounges (as things currently stand).. both of which I did quote in my original post above.. but that + LTF alone doesn't make it particularly great card imo.
 
doesn't make it particularly great card imo.
definitely its not great card.. but decent one...

as you mentioned other cards has some waiver criteria.. For people like me, who has so many cards, movie offer is great one.. at least every month i can save minimum 500.. this means, yearly somewhere 3000-5000 for my family of 4.
 
As i select card holder ,i hardly use my card untill unless it's a book my show movie ticket booking or once in a blue moon i decide to order via big basket for 10% off,other then that if my axis ace limit is quite utilised i use this card.This card serves no purpose other then that i was using when i traveled abroad but recently got one metal card so will switch to that.
 
Why did they freeze it?

I read the women power account has good offers. And even the regular savin 500 gv of amazon on spending 10k per month. Thinking of getting it for my wife.

They pay the 500 Amazon voucher even when you use the debit card to pay your credit card bills.

5% cashback every month for free.
 
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