IDFC Wealth CC approved Instant using C2C

[RupayMan]

Just wanted to check my eligibility for which card IDFC is offering and surprisingly got Wealth Card instantly with my existing HDFC Intermiles limit,

Even they offered another option as 1.5L extra credit card limit along with 7.5L but asking for Credit card statement, I decided to choose first option and don't want any delay, within seconds got VKYC done and aadhar OTP part took sometime as OTP didn't received instantly, everything done, waiting for card approval, its approved in half an hour and virtual card ready to use in IDFC application.

 

[RupayMan]

Bro hdfc doesn't report cc limit to cibil and they didn't ask for income proof or statement. This means anyone can lie about their limit and get the wealth card.

But still the Pan card and cibil hit is there, who knows what they are checking in that, my good score may be given me wealth. And Btw I wouldn't say wealth is a premium card, since IDFC calling it so, doesn't mean it should be premium.

 

[RupayMan]

Bro hdfc doesn't report cc limit to cibil and they didn't ask for income proof or statement. This means anyone can lie about their limit and get the wealth card.

There are certain things with banks, like Whenever we apply for some bank Credit card, and it's approved, the other banks who tied up or close relationship with them notified about a customer is eligible now for your bank. This is like an indirect way of eligibility even for application, in my case when I got Axis card, standard chartered called me immediately and offered ultimate, i asked the reason why now? Their answer is we value customer based on other banks we closely monitor like Citi, Axis, HSBC..

 

[akshayhs]

Can you

Just wanted to check my eligibility for which card IDFC is offering and surprisingly got Wealth Card instantly with my existing HDFC Intermiles limit,
View attachment 12312
Even they offered another option as 1.5L extra credit card limit along with 7.5L but asking for Credit card statement, I decided to choose first option and don't want any delay, within seconds got VKYC done and aadhar OTP part took sometime as OTP didn't received instantly, everything done, waiting for card approval, its approved in half an hour and virtual card ready to use in IDFC application.

Can you tell me if you were asked to sign on white paper during kyc?

 

[RupayMan]

Can you

Can you tell me if you were asked to sign on white paper during kyc?

No, only pan card

 

[RupayMan]

Where is the option of c2c ?

Just apply directly on idfc site, during the process u will get an option like do you have other credit card!

 

[Lord Of Darkness]

From where u applied?

From the IDFC site itself.

 

[Hitman_107]

And one more thing, when we select our existing card from the bank list, i surprised to see no top end cards listed like Standard chartered Ultimate, even HDFC top cards, and my Intermiles card too.. So I over typed the card name instead of selecting from the predefined list.

Also even though we select the c2c method still we have to put the salary in the income box. So what did you put there like even the range would work if u mind disclosing your salary?

 

[Wealth is my birth right!]

I cannot comment on that as today is my first experience with IDFC.

@Wealth is my birth right! may answer

Yes our old application ref no they have to move from their systems minimum 3 months they took then only we can re apply else it will show old card

 

[Wealth is my birth right!]

Can you

Can you tell me if you were asked to sign on white paper during kyc?

Only for saving account kyc u need to sign
For cc kyc don’t show sign even though they ask

 

[Gopi007]

Just wanted to check my eligibility for which card IDFC is offering and surprisingly got Wealth Card instantly with my existing HDFC Intermiles limit,
View attachment 12312
Even they offered another option as 1.5L extra credit card limit along with 7.5L but asking for Credit card statement, I decided to choose first option and don't want any delay, within seconds got VKYC done and aadhar OTP part took sometime as OTP didn't received instantly, everything done, waiting for card approval, its approved in half an hour and virtual card ready to use in IDFC application.

What were your credit scores at the time of applying this carf sir? Like from cibil, Experian.

 

[Hitman_107]

Yes our old application ref no they have to move from their systems minimum 3 months they took then only we can re apply else it will show old card

What if i start the application and then after showing cards i dont proceed with the application itself and i cancel the application either via telling customer support guys to close it or i myself click the cancel application by clicking the back button prompting to cancel the application, so applying next time do we have to wait for 3 months or not?

 

[Wealth is my birth right!]

What if i start the application and then after showing cards i dont proceed with the application itself and i cancel the application either via telling customer support guys to close it or i myself click the cancel application by clicking the back button prompting to cancel the application, so applying next time do we have to wait for 3 months or not?

U can do that but cibil hit will be there still

 

[RupayMan]

What were your credit scores at the time of applying this carf sir? Like from cibil, Experian.

Not sure abt cibil, could be above 780 and exp is 865

 

[Gopi007]

Not sure abt cibil, could be above 780 and exp is 865

And what was the net income mentioned by you sir? Will that also have impact while doing card to card? Please tell the net income that you used while processing this application

 

[RupayMan]

And what was the net income mentioned by you sir? Will that also have impact while doing card to card? Please tell the net income that you used while processing this application

I put my genuine income, it ask for company name and official email id too, if you fake the income and may be a they ask to verify your employment payslip also, why those inconvenience, just put whatever you have in payslip

 

[Ravi007]

Just wanted to check my eligibility for which card IDFC is offering and surprisingly got Wealth Card instantly with my existing HDFC Intermiles limit,
View attachment 12312
Even they offered another option as 1.5L extra credit card limit along with 7.5L but asking for Credit card statement, I decided to choose first option and don't want any delay, within seconds got VKYC done and aadhar OTP part took sometime as OTP didn't received instantly, everything done, waiting for card approval, its approved in half an hour and virtual card ready to use in IDFC application.

Is there any separate link to apply card on C2C basis ?

 

[Gopi007]

I put my genuine income, it ask for company name and official email id too, if you fake the income and may be a they ask to verify your employment payslip also, why those inconvenience, just put whatever you have in payslip

Okay sir thanks for the advice. Also wanted to know the income salary range for this card acceptance, that's the reason I have asked you this question. Mine falls in category A of below options so not sure if they will accept.

Please you don't need to tell the exact income, at least tell the range from below options that you kept while applying the card.

A. 10-20L
B. 20-30L
C. 30-40L
D. 40-50L
E. 50-60L

 

[Hitman_107]

Just talked with an idfc agent, for Wealth card to apply for c2c category we need 5 lacs existing card limit and 5+ years age of card variant

 

[Gopi007]

Just talked with an idfc agent, for Wealth card to apply for c2c category we need 5 lacs existing card limit and 5+ years age of card variant

And what about income salary requirement sir?

 

[Patil007]

Just talked with an idfc agent, for Wealth card to apply for c2c category we need 5 lacs existing card limit and 5+ years age of card variant

4.90 Lakh with 7 year old card. 😅