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Maintaining 10L MAB in a 4 year old IDFC Savings account. How to get the Wealth CC?

Batman

Batman

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I'll keep it succinct. I hold an IDFC Savings account for 4 years now. I have been maintaining 10L MAB for 2 months now. How do I get Wealth CC?

The RM and BM have unfortunately not been helpful. I do have other premium CC with 8L+ limits (DCB, Sapphiro, etc). The RM did promise to put up a request for Wealth savings account, but I have been disappointed about 7-9 times in the past. I've stopped keeping hope from IDFC.
 
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Batman said:
I'll keep it succinct. I hold an IDFC Savings account for 4 years now. I have been maintaining 10L MAB for 2 months now. How do I get Wealth CC?

The RM and BM have unfortunately not been helpful. I do have other premium CC with 8L+ limits (DCB, Sapphiro, etc). The RM did promise to put up a request for Wealth savings account, but I have been disappointed about 7-9 times in the past. I've stopped keeping hope from IDFC.
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Email IDFC Nodal.

Min. 5L limit is the criteria for IDFC wealth.
 
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D₹V said:
Email IDFC Nodal.

Min. 5L limit is the criteria for IDFC wealth.
Click to expand...
Thanks, could you please also tell me what to write?
Do I share my existing story, how IDFC has been pissing me off (I've honestly spent over 7 hours on call in the last 2 years). Or do I just keep a straightforward request to grant Wealth CC based on C2C / MAB criteria?
 
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Batman said:
Thanks, could you please also tell me what to write?
Do I share my existing story, how IDFC has been pissing me off (I've honestly spent over 7 hours on call in the last 2 years). Or do I just keep a straightforward request to grant Wealth CC based on C2C / MAB criteria?
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Mab criteria won't work, unless you're keeping a lot of funds in savings account.
C2C you can try my method I'll ping you if you follow exactly then 100% you'll get a wealth card.
 
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SpiesCan'tCatchMe said:
Mab criteria won't work, unless you're keeping a lot of funds in savings account.
C2C you can try my method I'll ping you if you follow exactly then 100% you'll get a wealth card.
Click to expand...
Sir pl DM me procedure to get wealth card for CTC as idfc not giving any priority for wealth customers and I have other cards with 12L+ limits
 
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Batman said:
I'll keep it succinct. I hold an IDFC Savings account for 4 years now. I have been maintaining 10L MAB for 2 months now. How do I get Wealth CC?

The RM and BM have unfortunately not been helpful. I do have other premium CC with 8L+ limits (DCB, Sapphiro, etc). The RM did promise to put up a request for Wealth savings account, but I have been disappointed about 7-9 times in the past. I've stopped keeping hope from IDFC.
Click to expand...
@Batman how did it go, did you get your IDFC Wealth card?
 
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Batman said:
Nope, not yet. All plans failed. Open to new ideas.
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@Batman
Here are few suggestions,
1) While applying online put salary around 3L per month, and do C2C using your DCB, it will improve chances of getting wealth
2) Take Select card if you are getting it and later try to upgrade it.

Here is what I did:
1) Took IDFC Select in April 2023, got it with a CL of 3.5L, didn't give much thought about wealth, later came to know about wealth
2) Asked them for upgrade to Wealth, they asked me wait for 6 months, I waited for 6 months
3) Spend 15k in first month to get 500 coupon and later spent avg of 10k per month for rest of the months
4) After 6 months asked for upgrade to wealth by sending my credit card statement, they denied and asked me to send income documents for CL increase and then if CL crosses 5L they would upgrade
5) Sent them salary slips, credit card statement (there was back and forth for a month as for reason they were unable to download documents which I have sent)
6) Raised a closure request, team called me back and told they will personally look into it and asked me to merge all documents and send it as a single PDF
7) Sent all documents as single PDF got a limit increase, new limit was 3.9 L, so no upgrade
8) This time I was determined to close the card to reduce my leverage, raised a closure request
9) Got a call from retention team, told them I was looking for wealth, they again asked me to send income docs, to which I said that method failed, they told they will look at my documents and try to get exception for upgrade, I was asked to take back my closure request to process upgrade, which I did.
10) Later in the day I got call that they have taken exception and issued Wealth card with same 3.9L CL. I was happy. Got the new card in a week.

I don't have any banking relationship with IDFC. Hope this helps you.
 
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Yugi said:
@Batman
Here are few suggestions,
1) While applying online put salary around 3L per month, and do C2C using your DCB, it will improve chances of getting wealth
2) Take Select card if you are getting it and later try to upgrade it.

Here is what I did:
1) Took IDFC Select in April 2024, got it with a CL of 3.5L, didn't give much thought about wealth, later came to know about wealth
2) Asked them for upgrade to Wealth, they asked me wait for 6 months, I waited for 6 months
3) Spend 15k in first month to get 500 coupon and later spent avg of 10k per month for rest of the months
4) After 6 months asked for upgrade to wealth by sending my credit card statement, they denied and asked me to send income documents for CL increase and then if CL crosses 5L they would upgrade
5) Sent them salary slips, credit card statement (there was back and forth for a month as for reason they were unable to download documents which I have sent)
6) Raised a closure request, team called me back and told they will personally look into it and asked me to merge all documents and send it as a single PDF
7) Sent all documents as single PDF got a limit increase, new limit was 3.9 L, so no upgrade
8) This time I was determined to close the card to reduce my leverage, raised a closure request
9) Got a call from retention team, told them I was looking for wealth, they again asked me to send income docs, to which I said that method failed, they told they will look at my documents and try to get exception for upgrade, I was asked to take back my closure request to process upgrade, which I did.
10) Later in the day I got call that they have taken exception and issued Wealth card with same 3.9L CL. I was happy. Got the new card in a week.

I don't have any banking relationship with IDFC. Hope this helps you.
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Thanks for sharing such clear details.

Unfortunately, I'm in a different situation since I already have a Wealth savings account with the bank. Based on the comments here, IDFC values existing customers much less.

And all this when I already have been offered Wealth with 10L if I just use a different phone number (my PAN, C2C using my cards and limits).

Complete morons they are.
 
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Rahul92 said:
I have a select account with them since almost 2 years. Whenever I apply for a card , all they offer is wow card.

Any suggestions to get a unsecured card ?
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As you have a Select account with them. You must have a RM assigned. Contact him and ask for a credit card.
People are offered WOW card if they are not in a credit card-sourcing city. having a branch in your location doesn't guarantee it is a serviceable zone.
 
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