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Is IDFC Wealth card worth it for Spa Access?

W

WhoU

TF Ace
VIP Lounge
Has anyone tried the free spa using dreamfolks card? I am getting it LTF, so wondering whether I should go for it. I don’t want it for lounge access as I have enough cards for that.
 
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There is a section of customers in this forum who would say, "if it is LTF then its good no matter its benefits".

If you really in a dilemma to apply or not:

- Lowest fee cash withdrawal (can be used during emergency, but one shouldn't rely on it).
- Paytm b1g1 (works most of the multiplex, higher discount).
- Best offers with EMI (they'll give cashback also, may discontinue any time).
- Free spa (if one can ok with waiting time at this spas, its good one but usually long queues), more lounge support, free road side assistance, free railway lounge. (RSA, SPA, Railway definitely useful - if location supports)
Note: Lounge support need min. 5k spends in previous month.
- 0.3% international reward (if one spend >30000).
 
Last edited:
Upvote 0 Downvote
helloworld said:
There is a section of customers in this forum who would say, "if it is LTF then its good no matter its benefits".

If you really in a dilemma to apply or not:

- Lowest fee cash withdrawal (can be used during emergency, but one shouldn't rely on it).
- Paytm b1g1 (works most of the multiplex, higher discount).
- Best offers with EMI (they'll give cashback also, may discontinue any time).
- Free spa (if one can bear with waiting time at this spas, its good one but usually long queues), more lounge support, free road side assistance, free railway lounge. (RSA, SPA, Railway definitely useful)
- 0.3% international reward (if one spend >30000).
Click to expand...
Do you know if wallet loads by this cc still earn 1.5% cashback?
 
Upvote 0 Downvote
helloworld said:
There is a section of customers in this forum who would say, "if it is LTF then its good no matter its benefits".

If you really in a dilemma to apply or not:

- Lowest fee cash withdrawal (can be used during emergency, but one shouldn't rely on it).
- Paytm b1g1 (works most of the multiplex, higher discount).
- Best offers with EMI (they'll give cashback also, may discontinue any time).
- Free spa (if one can bear with waiting time at this spas, its good one but usually long queues), more lounge support, free road side assistance, free railway lounge. (RSA, SPA, Railway definitely useful)
- 0.3% international reward (if one spend >30000).
Click to expand...
Also the lowest interest rate starting at 9%.. definitely worth keeping one if you are getting it.. its anyways always LTF and they are generally a little better on LE etc if you submit docs.
 
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helloworld said:
There is a section of customers in this forum who would say, "if it is LTF then its good no matter its benefits".

If you really in a dilemma to apply or not:

- Lowest fee cash withdrawal (can be used during emergency, but one shouldn't rely on it).
- Paytm b1g1 (works most of the multiplex, higher discount).
- Best offers with EMI (they'll give cashback also, may discontinue any time).
- Free spa (if one can bear with waiting time at this spas, its good one but usually long queues), more lounge support, free road side assistance, free railway lounge. (RSA, SPA, Railway definitely useful)
- 0.3% international reward (if one spend >30000).
Click to expand...
First class points covered @helloworld
Just to add the cash withdrawal is 10k max at a time
 
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Wealth is my birth right! said:
Yes but The catch here is every 10k the mentioned charges will get added every time
So indirectly bank minting charges
Click to expand...
2% is ok.. for cash on a credit card.. its not possible with any other card.. only for emergency.. better than all the cash to bank trials people are trying via multiple apps and wallets and loads and etc etc.
This is simpler... BUT only in emergency!
 
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helloworld said:
There is a section of customers in this forum who would say, "if it is LTF then its good no matter its benefits".

If you really in a dilemma to apply or not:

- Lowest fee cash withdrawal (can be used during emergency, but one shouldn't rely on it).
- Paytm b1g1 (works most of the multiplex, higher discount).
- Best offers with EMI (they'll give cashback also, may discontinue any time).
- Free spa (if one can bear with waiting time at this spas, its good one but usually long queues), more lounge support, free road side assistance, free railway lounge. (RSA, SPA, Railway definitely useful)
- 0.3% international reward (if one spend >30000).
Click to expand...
Nicely put forth @helloworld 👍🏻
 
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Can all the experts confirm this?

IDFC Wealth --
Spend 20000 in all MCC, no exclusions and get in the next month
2 international lounge on Priority pass (max 2/qtr)
+
2 spa OR 2 domestic lounge on Dreamfolks card (max 2/qtr)

IDFC Vistara --
Spend 20000 in all MCC, no exclusions and get in the next month
1 international lounge on Priority pass (max 1/qtr)
+
2 spa OR 2 domestic lounge on Dreamfolks card (max 2/qtr)
 
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drsel said:
Can all the experts confirm this?

IDFC Wealth --
Spend 20000 in all MCC, no exclusions and get in the next month
2 international lounge on Priority pass (max 2/qtr)
+
2 spa OR 2 domestic lounge on Dreamfolks card (max 2/qtr)

IDFC Vistara --
Spend 20000 in all MCC, no exclusions and get in the next month
1 international lounge on Priority pass (max 1/qtr)
+
2 spa OR 2 domestic lounge on Dreamfolks card (max 2/qtr)
Click to expand...

No exclusions..

In fact, except axis and recently yes bank, none of the other banks kept any exclusion for milestone spends. All spends counted except default cash advance, fees etc.
 
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helloworld said:
No exclusions..

In fact, except axis and recently yes bank, none of the other banks kept any exclusion for milestone spends. All spends counted except default cash advance, fees etc.
Click to expand...
I was asking about
2 Spa + 2 domestic lounge access BOTH?
2 Spa OR 2 domestic lounge access?
For both IDFC vistara and IDFC wealth cards
 
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drsel said:
I was asking about
2 Spa + 2 domestic lounge access BOTH?
2 Spa OR 2 domestic lounge access?
For both IDFC vistara and IDFC wealth cards
Click to expand...
drsel said:
Is international lounge access on the IDFC credit card or separate priority pass?
Click to expand...


2 complimentary domestic airport lounge and spa visits and 2 complimentary overseas airport lounge visits per quarter, on spending ₹20,000 every month.


2 complimentary visits to domestic airport lounges and spas per quarter and 1 complimentary visit to international airport lounge per quarter on monthly spends of Rs.20,000
 
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