IDFC FIRST Bank is known for issuing lifetime free credit cards. These credit cards allow you to avoid paying joining or annual fees. Not just this but the credit cards by this bank are also known for the amount of benefits they provide to their cardholders. Usually, entry-level credit card benefits are limited and there are only a few categories for these benefits. But there are credit cards as well that are well-versed in providing benefits in almost every category.
The lives of people are very different from each other and so are their needs, there are many credit cards in the market curated for different needs of the users. The same goes for the IDFC FIRST Bank, the bank has many different varieties of credit cards which are great in providing great benefits.
Talking about whether these IDFC FIRST Credit Cards are good or not, completely depends on their usage. There is also the part where it is noticed what benefits and advantages a user is given but, in the end, it all depends on whether the benefits are used to their full potential or not. Even in case, you have the most premium offering by any bank, if you are not using the credit card to its full, it does not really make sense.
For Example –
IDFC FIRST Wealth Credit Card is a great credit card for shopping where you get welcome gift vouchers and complimentary international and domestic airport lounge access and spa visit. The reward rate is also very decent along with the added movie, dining, and complimentary golf rounds as well. All these services with one credit card seem like a really great deal at no cost, doesn’t it? But the point is you don’t play golf at all and travel is not very often, here the complimentary services might go to waste. Here you are unable to use the credit card to its actual worth.
This example might let you know the cases where you have something with extra advantages but you do not even get to use it. That becomes a waste but this does not mean the credit card is not good right. Exactly in the same way, in order to get the best out of your credit card, you need to choose the one with the benefits which matches completely with your requirements and does not go waste at all.
The credit cards by IDFC First Bank are great and in case you are wondering why so? That’s because the credit cards by IDFC bank which are not co-branded are lifetime free. This means you are paying nothing for your credit cards as an initial joining fee and these credit cards also have decent interest rates and forex markup charges. To add-on there are many decent rewards and benefits which you can get with this bank's credit cards, they surely help a lot and are great.