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IDFC First Credit Card Review (Updated)

IDFC First Bank credit card is the new entrant and creating a buzz with LTF credit card lineup and dynamic interest rates on revolving balances. A detailed review for all of their variants.

 
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I have IDFC select card, earlier they used to give 4 complimentary airport lounge per quarter without any spend.
now the card is devalued too much, especially after spend based lounge access.
 
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