IDFC First Private advantage

[theXfactor]

You can maybe not renew it after a year so just use it for a year for free and then close. Is it not beneficial in that case?

Yes, I was advised and I didn’t even consider it. After 1 yr if you choose to close the card, you may be required to redeem all the points before you do. Second - if you have plans for travel you better pay the fee and you will be well compensated with points that can be redeemed at 1:1 ratio + Accor & ITC memberships. Lastly, I may not be able to use it effectively as I’m holding our super premium cards which I use exhaustively. Carrying a card for a year and not using it much may not help for further negotiations. LTF makes sense as even I use it only for non-accelerated expenses and international transactions, I may still keep it as points don’t expire here.

 

[NikhilG]

Yes, I was advised and I didn’t even consider it. After 1 yr if you choose to close the card, you may be required to redeem all the points before you do. Second - if you have plans for travel you better pay the fee and you will be well compensated with points that can be redeemed at 1:1 ratio + Accor & ITC memberships. Lastly, I may not be able to use it effectively as I’m holding our super premium cards which I use exhaustively. Carrying a card for a year and not using it much may not help for further negotiations. LTF makes sense as even I use it only for non-accelerated expenses and international transactions, I may still keep it as points don’t expire here.

okay, I have a travel plan where I may be required to book a ticket worth rs 50k. Can I get all the worth in one go?

 

[Anindya98]

okay, I have a travel plan where I may be required to book a ticket worth rs 50k. Can I get all the worth in one go?

That will depend on your booking

 

[theXfactor]

okay, I have a travel plan where I may be required to book a ticket worth rs 50k. Can I get all the worth in one go?

I don’t know what do mean by “worth in one go”. You will get min. 50k points and some memberships. You can redeem these points in 1 point to 1 Re ratio on travel bookings…just that you can redeem points for 70% of booking amount in one transaction.

 

[NikhilG]

So finally finally my account got upgraded to first private. I didn't get a notification but I can see the tile when I login to net banking. The variant remains the same like mine was basic 10k just that the tile says private. I can see 2 debit cards one and one first private debit card. Both inactive. I never bothered to activate the visa normal which came when I opened the account. Should I activate that first or right away activate the first private card. I'm yet to receive kit though.
Also the bm is unaware of any rupay tap card. Neither I see any option to opt in for tap card when I login online.

 

[hender]

So finally finally my account ie upgraded to first private. I didn't get a notification but I can see the tile when I login to net banking. The variant remains the same like mine was basic 10k just that the tile says private. I can see 2 debit cards one and one first private debit card. Both inactive. I never bothered to activate the visa normal which came when I opened the account. Should I activate that first or right away activate the first private card. I'm yet to receive kit though.
Also the bm is unaware of any rupay tap card. Neither I see any option to opt in for tap card when I login online.

MANY congratulations 🎉 🎉, 🥳 Finally you Got, what you wanted to be.

 

[NikhilG]

MANY congratulations 🎉 🎉, 🥳 Finally you Got, what you wanted to be.

Thanks, it took the bm 2 weeks to get it done. It's not like I badly wanted a private but I wanted to check the intense and persistence of bm. As a reward, I added 30 lakhs as he wanted something for quarter closing. I gave him next target of getting me ltf private credit card. If he is not able to get me one, I will ask him to make it fyf.

 

[theXfactor]

So finally finally my account got upgraded to first private. I didn't get a notification but I can see the tile when I login to net banking. The variant remains the same like mine was basic 10k just that the tile says private. I can see 2 debit cards one and one first private debit card. Both inactive. I never bothered to activate the visa normal which came when I opened the account. Should I activate that first or right away activate the first private card. I'm yet to receive kit though.
Also the bm is unaware of any rupay tap card. Neither I see any option to opt in for tap card when I login online.

Congratulations! Which 2 debit cards?

 

[NikhilG]

Congratulations! Which 2 debit cards?

Thanks one says visa debit card. Other says idfc first private debit card

 

[theXfactor]

Thanks one says visa debit card. Other says idfc first private debit card

Private debit card is also a Visa card. You may set the pin for your private debit card, the other should be gone.

 

[NikhilG]

Private debit card is also a Visa card. You may set the pin for your private debit card, the other should be gone.

Okay, what about rupay tap card, can't see an option to generate that in net banking page

 

[ManishJ]

Thanks, it took the bm 2 weeks to get it done. It's not like I badly wanted a private but I wanted to check the intense and persistence of bm. As a reward, I added 30 lakhs as he wanted something for quarter closing. I gave him next target of getting me ltf private credit card. If he is not able to get me one, I will ask him to make it fyf.

Hey Nikhil- Could you tell me if akshay rm did your upgrade? also what all it takes to persist in ur case. He is being adamant and i hv warned to move out wealth ac. Still..

 

[NikhilG]

Hey Nikhil- Could you tell me if akshay rm did your upgrade? also what all it takes to persist in ur case. He is being adamant and i hv warned to move out wealth ac. Still

I'm not aware of any such person. I never talked to any rm. I right away spoke to my home branch bm