Taking IDFC WoW Card- Good or Bad?

[Chaitanya-a]

So I was planning to do FD in IDFC Bank as that amount is going to stay in their savings account anyways. I thought why not take WoW card on the base of it as well.

Few points:
-I already hold their Select account but unable to get their unsecured card coz in June 22 I applied and it got rejected. Its still showing that error 'Your application can't be processed'.

-This is my first secured card. Not needed but just because I was doing FD, so took it. Have 9 other unsecured cards.

My query is:
1)Is it wise to take their secured card?

2)Will IDFC hesitate to provide unsecured card to me because of this card?

3)Any other point you would like to add.

Sorry for this long post 😅 had to explain everything.

 

[Chaitanya-a]

I think reward rate is 0.16 😆😨

Not good for rewards 😂 just keeping it for IDFC Specific offers, Thriwe Visa Infinite benefit, and BMS visa Infinite benefit.

 

[Wealth is my birth right!]

Not good for rewards 😂 just keeping it for IDFC Specific offers, Thriwe Visa Infinite benefit, and BMS visa Infinite benefit.

Does all idfc cards are issued in infinite
I have offer for select but want wealth

 

[Chaitanya-a]

Does all idfc cards are issued in infinite
I have offer for select but want wealth

Select & Wealth debit cards are in Visa Infinite.
Wow & Wealth credit cards are in Visa Infinite.

 

[akshayhs]

I want this card purely for 0% Forex.

 

[Deleted member 5552]

I read somewhere that this card gives 4x reward points.

 

[Chaitanya-a]

I read somewhere that this card gives 4x reward points.

1reward point equals ₹0.25
1x= 1 reward point per ₹150

So 4x would be ₹1 Cashback on ₹150 transaction 😂

 

[Wealth is my birth right!]

I want this card purely for 0% Forex.

But wow card being issued only by FD right
They don’t even see cibil for wow card

 

[akshayhs]

But wow card being issued only by FD right
They don’t even see cibil for wow card

True. When you have other cards and a good credit score, I guess there's nothing else to take care of. Personally I'm not interested in their other cards and to get Wealth card I don't have the required limit on my other cards for now. So it's out of reach for me currently.

 

[COSMOCRAT]

Not good for rewards 😂 just keeping it for IDFC Specific offers, Thriwe Visa Infinite benefit, and BMS visa Infinite benefit.

Have you tested the BOGO on BookMyShow with WOW card? I believe only Select has a buy 2 get 2 offer on PayTm movies. That is the only reason I care about it. And how much is the discount capped at 300 or 500?

 

[Chaitanya-a]

Have you tested the BOGO on BookMyShow with WOW card? I believe only Select has a buy 2 get 2 offer on PayTm movies. That is the only reason I care about it. And how much is the discount capped at 300 or 500?

Wow card doesn't have regular Paytm movie offer unlike unsecured IDFC cards. Offer is only on BMS B1G1 via Visa Infinite card.

 

[arn]

Yeah that's why I didn't applied directly. It was showing only 6.75%.
Created FD for 2 years under 7.75% rate and then took the card on existing FD.

I already got a FD on IDFC, but in app its not showing any option to get WOW card on that basis.

if I try directly on IDFC website, it ask me to open a FD

 

[Chaitanya-a]

I already got a FD on IDFC, but in app its not showing any option to get WOW card on that basis.

if I try directly on IDFC website, it ask me to open a FD

When you click on 'secured card' tab on the app, then it asks you whether to go with existing fd or create new fd.
Can you please share what is it showing when you click on secured card tab?

On website it won't consider you as an existing customer. So no use.

 

[arn]

When you click on 'secured card' tab on the app, then it asks you whether to go with existing fd or create new fd.
Can you please share what is it showing when you click on secured card tab?

On website it won't consider you as an existing customer. So no use.

there was no response on secured card tab press.

I just closed that FD, and open another, and this time It showed option to apply for WOW card just after creation.
applied, and approved .

now question is :
- if I want to increase the limit on that card whether I need to again do another FD and it will be merge ? or any other way ?
and whether I can get multiple WOW card on basis of multiple FD

 

[Chaitanya-a]

there was no response on secured card tab press.

I just closed that FD, and open another, and this time It showed option to apply for WOW card just after creation.
applied, and approved .

Great!

now question is :
- if I want to increase the limit on that card whether I need to again do another FD and it will be merge ? or any other way ?

There is no option to increase limit as far as I know. We can't modify the fd amount. You can contact customer care to know any other way.

and whether I can get multiple WOW card on basis of multiple FD

Nope. Only 1 wow card is allowed.

 

[Anon1]

Great!

There is no option to increase limit as far as I know. We can't modify the fd amount. You can contact customer care to know any other way.

Nope. Only 1 wow card is allowed.

Can we able to apply another IDFC credit card by holding IDFC wow card?

 

[Deleted member 5552]

This is not Wow card
This is Alas Card 😭

 

[Chaitanya-a]

This is not Wow card
This is Alas Card 😭

What happened🤣

 

[Deleted member 5552]

What happened🤣

Nothing 😆

 

[Deleted member 5552]

How you got MMT card in 1 month of Expression card generation?

I asked cc to give a MMT card after second day of Expression card generation. But after checking the issue date, he told it is possible to apply after 3 months 😖

 

[Chaitanya-a]

How you got MMT card in 1 month of Expression card generation?

I asked cc to give a MMT card after second day of Expression card generation. But after checking the issue date, he told it is possible to apply after 3 months 😖

They'll keep saying that. You also have to keep calling until right executive accept your request 😂

Daily call them once like a tablet routine