Idfc first bank has a very strict credit writing system in place . Mr VV has repeatedly told in his interviews that about 60% of the loan applications are rejected by the bank. Also we should not forget the excellent track record of Mr VV in building retail business in ICICI bank and Capital First. Almost all the targets set by bank at the time of merger have been met before time. Having account in the bank for the last 4 years and fully satisfied with their services. I think banks don’t prompt you to use your credit card reward points while doing online payments but this bank does. Invested since 2019.
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