{"id":39379,"date":"2025-01-21T07:51:06","date_gmt":"2025-01-21T07:51:06","guid":{"rendered":"https:\/\/peraltafinancing.com\/airline\/now-idfc-first-bank-credit-cards-institute-minimum-monthly-spend-for-railway-lounge-access\/"},"modified":"2025-01-21T07:51:06","modified_gmt":"2025-01-21T07:51:06","slug":"now-idfc-first-bank-credit-cards-institute-minimum-monthly-spend-for-railway-lounge-access","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=39379","title":{"rendered":"Now, IDFC First Bank Credit Cards institute minimum monthly spend for Railway Lounge Access"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div id=\"\">\n<h2 class=\"entry-title\">Now, IDFC First Bank Credit Cards institute minimum monthly spend for Railway Lounge Access<\/h2>\n<p class=\"entry-meta\">\n\t\t\t\t\t\t\t\t<time class=\"entry-time\" datetime=\"2025-01-20T22:54:38+05:30\"><i class=\"fa fa-calendar\"\/> January 20, 2025<\/time> <span class=\"entry-author\">by <a class=\"entry-author-link\" href=\"https:\/\/livefromalounge.com\/author\/ajay\/\"><i class=\"fa fa-user\"\/> <span class=\"entry-author-name\">Ajay<\/span><\/a><\/span> <span class=\"entry-comments-link\"><a href=\"https:\/\/livefromalounge.com\/idfc-bank-credit-cards-devaluation-railway-lounge-access\/#respond\"><i class=\"fa fa-comments\"\/> Leave A Comment<\/a><\/span>\t\t\t<\/p>\n<p><!-- .entry-meta -->\n\t\t\t<\/div>\n<div>\n<p><a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">IDFC Bank Credit Cards <\/a>are usually popular because\u00a0their first cards were <a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">lifetime-free<\/a>. However, many banks have been instituting new limitations on the product features, asking for minimum spending to activate them. One of the key features put under a paywall is the airport lounge access feature, which <a href=\"https:\/\/livefromalounge.com\/indian-banks-cutting-airport-lounge-access\/?utm_source=Jan2025Post&amp;utm_medium=inline&amp;utm_campaign=crosspost\" target=\"_blank\" rel=\"noopener\">costs banks a significant amount of money<\/a>. However, the other lounge access to railway lounges, a feature essentially unique to <a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">IDFC First Bank Credit Cards.<\/a>\n<\/p>\n<h3>IDFC Bank institutes minimum spending for railway lounge access.<\/h3>\n<div id=\"attachment_41807\" style=\"width: 684px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-41807\" data-attachment-id=\"41807\" src=\"https:\/\/livefromalounge.com\/idfc-bank-credit-cards-devaluation-railway-lounge-access\/irctc-executive-lounge-at-new-delhi-railway-station\/\" data-orig-file=\"https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/irctc-executive-lounge-at-new-delhi-railway-station.jpeg\" data-orig-size=\"674,449\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"irctc-executive-lounge-at-new-delhi-railway-station\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/irctc-executive-lounge-at-new-delhi-railway-station-300x200.jpeg\" data-large-file=\"https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/irctc-executive-lounge-at-new-delhi-railway-station.jpeg\" class=\"wp-image-41807 size-full\" alt=\"a man sitting at a reception desk\" width=\"674\" height=\"449\" srcset=\"https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/irctc-executive-lounge-at-new-delhi-railway-station.jpeg 674w, https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/irctc-executive-lounge-at-new-delhi-railway-station-300x200.jpeg 300w\" sizes=\"auto, (max-width: 674px) 100vw, 674px\"\/><\/p>\n<p id=\"caption-attachment-41807\" class=\"wp-caption-text\">IRCTC Executive Lounge<\/p>\n<\/div>\n<p>With the <a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">IDFC First Bank Credit Cards<\/a> (Mayura, Ashva, <a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">First Select<\/a>, <a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">First Wealth<\/a>, <a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">Millennia<\/a>, <a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">Classic<\/a>, SWYP), a limited number of complimentary trips to the Railway lounges are provided over the year. The following lounges are included.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"41808\" src=\"https:\/\/livefromalounge.com\/idfc-bank-credit-cards-devaluation-railway-lounge-access\/screenshot-2025-01-20-at-9-44-54-pm\/\" data-orig-file=\"https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-20-at-9.44.54\u202fPM.png\" data-orig-size=\"2452,1286\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Screenshot 2025-01-20 at 9.44.54\u202fPM\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-20-at-9.44.54\u202fPM-300x157.png\" data-large-file=\"https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-20-at-9.44.54\u202fPM-1024x537.png\" class=\"aligncenter size-large wp-image-41808\" alt=\"a table with text on it\" width=\"1024\" height=\"537\" srcset=\"https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-20-at-9.44.54\u202fPM-1024x537.png 1024w, https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-20-at-9.44.54\u202fPM-300x157.png 300w, https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-20-at-9.44.54\u202fPM-768x403.png 768w, https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-20-at-9.44.54\u202fPM-1536x806.png 1536w, https:\/\/livefromalounge.com\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-20-at-9.44.54\u202fPM-2048x1074.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/p>\n<p>According to a new announcement, IDFC First Bank will require a minimum spend of INR 20,000 in the previous calendar month to be eligible. The new statute will take effect in March 2025, and <a href=\"https:\/\/www.idfcfirstbank.com\/content\/dam\/idfcfirstbank\/pdf\/WOLWS.pdf\" target=\"_blank\" rel=\"noopener\">the notification<\/a> will go live on February 20, 2025.<\/p>\n<p>But that is not the only change that has been notified. There are other updates from IDFC First Bank on an extensive range of their credit cards:<\/p>\n<ul>\n<li><strong>Standardisation of Statement and Payment Dates: <\/strong>The statement date for FIRST Millenia, FIRST Wealth and FIRST SWYP Credit Cards will be revised to the 20th of each month. The payment due date will be 15 days from the statement date.<\/li>\n<li><strong>1% Fee on Education Fee Payments via Third-Party Platforms:\u00a0<\/strong>Much like the other card issuers, IDFC First Bank will now levy a 1% fee (minimum INR 249) for education fee payments made through third-party platforms such as CRED, PayTM, Cheq, MobiKwik, and others. This fee will not apply to payments made directly through the school or<br \/>college\u2019s official website or at their POS (Point of Sale) machines. Reward points on these payments will be earned per the card variant\u2019s reward structure.<\/li>\n<li><strong>Fuel Fee and Fuel Surcharge Waiver restructured<\/strong>: A 1% fee on total fuel spends will be applied if fuel spends exceed INR 30,000 in a statement cycle. For instance, total fuel spending of INR 10,000, or even INR 30,000 in a statement cycle, will not attract a fee. However, if the total fuel spend of INR 40,000 is made in a statement cycle, it will attract a fee of INR 400 (1% fee) + taxes. The fuel surcharge waiver will be capped at INR 300 per statement cycle for Ashva, Mayura, and FIRST Wealth Credit Cards.<\/li>\n<li><strong>Add-On Card Fee<\/strong>: Being one of the first in the industry to do this, IDFC First Bank will start charging a joining and annual fee of INR 499 ++ for add-on cards applied after February 20, 2025. This fee is already being charged for the metal credit cards.<\/li>\n<li><strong>Card Replacement Fee<\/strong>: A card replacement fee of INR 199 ++ will be charged for all cards with the Image Personalisation feature. The replacement fees remain unchanged for Metal Credit Cards (Ashva, Mayura, and FIRST Private Credit Cards) and Digital Credit Cards (FIRST Digital and FIRST EA\u20b9N Credit Cards).<\/li>\n<li><strong>Image Personalisation Fee<\/strong>: IDFC FIRST Bank allows its cardmembers to design their credit cards with a favourite photo or a picture from its ready-made gallery. For cards with the Image Personalisation feature created on or after \u00a0February 20, 2025, a joining and annual fee of INR 499 ++ will apply.<\/li>\n<\/ul>\n<h3>Bottomline<\/h3>\n<p><a href=\"https:\/\/livefromalounge.com\/go\/idfc-first-credit-cards\/\" target=\"_blank\" rel=\"nofollow noopener\">IDFC First Credit Cards<\/a> will update many of the fees on its free and paid credit cards, primarily to cover the costs of the add-on and replacement credit cards in its free credit card range. Railway Lounge access will now be linked only to active cards spending over INR 20,000 monthly. All the new updates will take effect on or after February 20, 2025.<\/p>\n<p>\t<!-- \/1019006\/BoardingArea_DynamicContent --><\/p>\n<p><strong>What do you make of the new updates on IDFC First Bank Credit Cards?<\/strong><\/p>\n<hr\/>\n<p style=\"text-align: center;\">Liked our articles and our efforts? 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However, many banks have been instituting new limitations on the product features, asking for minimum spending to activate them. 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