Synopsis: IDFC FIRST Bank has a lot of credit cards that give you access to airport and railway lounges. The benefits you get from these cards are different and depend on which card you have and how much you spend. Let us look at 5 FIRST credit cards that give you lounge access and compare their fees, rewards and other things.
Getting into airport and railway lounges for free is a big deal for people who travel. It makes their trip more comfortable. IDFC FIRST Bank has credit cards that let you into lounges at airports and railway stations in India and outside India but you have to spend a certain amount of money first.
IDFC FIRST Mayura Credit Card
- Features
- Joining Fee: ₹5,999 + GST
- Annual Fee: ₹5,999 + GST
- Forex Markup: 0%
- Interest Rate: Up to 3.99% per month (47.88% p.a.)
- Rewards
- Up to 40X Reward Points on Hotel Bookings, Flight Bookings and on incremental spends above ₹20,000 in a statement cycle.
- 1 Reward Point = Up to ₹0.50 when redeemed for travel bookings.
- Never-expiring reward points.
Airport Lounge Access You can get 4 complimentary Domestic lounge visits per quarter including 1 complimentary domestic guest visit & you also get 4 complimentary international lounge visits per quarter. The eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
Railway Lounge Access You can get 4 complimentary railway lounge visits per quarter ,the eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
To Apply for the Card, Please visit the Official Website
IDFC FIRST Ashva Credit Card
- Features
- Joining Fee: ₹2,999 + GST
- Annual Fee: ₹2,999 + GST
- Forex Markup: 1%
- Interest Rate: Up to 3.99% per month
- Rewards
- Up to 40X Reward Points on Hotel Bookings, Flight Bookings and on incremental spends above ₹20,000 in a statement cycle.
- 1 Reward Point = Up to ₹0.40 on travel redemption.
- Never-expiring reward points.
Airport Lounge Access You can get 4 complimentary Domestic lounge visits per quarter & 2 complimentary international lounge visits per quarter. The eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
Railway Lounge Access You can get 4 complimentary railway lounge visits per quarter ,the eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
To Apply for the Card, Please visit the Official Website
IDFC FIRST Wealth Credit Card
- Features
- Joining Fee: Nil
- Annual Fee: Lifetime Free
- Forex Markup: 1.5%
- Interest Rate: Up to 3.99% per month
- Rewards
- Up to 10X Reward Points on dining, travel and international spends.
- 3X Reward Points on other eligible spends.
- 1 Reward Point = Up to ₹0.25
- Earn 20% bonus reward points on hotel bookings and 10% bonus reward points on flight bookings, you can earn up to 8000 Bonus Rewards.
- Reward Points are redeemable against online purchases and travel.
Airport Lounge Access
You can get 1 complimentary Domestic lounge visit per quarter & 1 complimentary international lounge visit per quarter. The eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
Railway Lounge Access
You can get 4 complimentary railway lounge visits per quarter ,the eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
IDFC FIRST Select Credit Card
- Features
- Joining Fee: Nil
- Annual Fee: Lifetime Free
- Forex Markup: 1.99%
- Interest Rate: Up to 3.99% per month
- Rewards
- Up to 10X Reward Points on dining, travel and international spends.
- 3X Reward Points on other eligible spends.
- 1 Reward Point = Up to ₹0.25
- Earn 20% bonus reward points on hotel bookings and 10% bonus reward points on flight bookings.
Airport Lounge Access
You can get 1 complimentary Domestic lounge visit per quarter. The eligibility for this visit is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
Railway Lounge Access
You can get 4 complimentary railway lounge visits per quarter ,the eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
IDFC FIRST LIC Select Credit Card
- Features
- Joining Fee: Nil
- Annual Fee: Nil (Lifetime Free)
- Forex Markup: 3.5%
- Interest Rate: Up to 3.99% per month (47.88% p.a.)
- Rewards
- 10X Reward Points on LIC insurance premium payments.
- 5X Reward Points on all other retail spends.
- 40 % bonus Reward Points on hotel bookings and flight bookings made through the IDFC FIRST mobile app.
- 1 Reward Point = Up to ₹0.25
Airport Lounge Access
You can get 2 complimentary Domestic lounge visit per quarter. The eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
Railway Lounge Access
You can get 4 complimentary railway lounge visits per quarter ,the eligibility for these visits is to spend a minimum of ₹20,000 in the current calendar month to access lounges in the following month.
Which IDFC FIRST Credit Card Is Best for You?
- If you want to have the airport and railway lounge access and also get premium travel benefits then you should go for IDFC FIRST Mayura.
- IDFC FIRST Ashva is a great option if you want to use premium lounges but you do not want to pay a lot of money every year.
- If you do not want to pay any fees for your card for your life and you also want to use lounges in your country and in other countries then IDFC FIRST Wealth is the card for you.
- IDFC FIRST Select is a choice if you want a card that is free for your whole life and you also want to use airport and railway lounges but you do not need all the extra benefits.
- If you often pay premiums to LIC and you also want to use airport and railway lounges, for free then you should choose IDFC LIC Select.
