IDFC First Wealth easily approved

[avis_]

I am NTB customer with IDFC. I had some relationship in the past with IDFC via Flipkart Paylater which I had closed last year.

Hi Guys,

I will share my successs story of how I got approved for Wealth Credit Card from IDFC bank.

I recieved a call from sales team that I was eligible for IDFC LTF credit card. I clearly told them I am not gonna apply unless I get wealth card. She told she can apply Wealth for me and it will approve for sure.

I trusted her and followed her steps and boom the card was approved on second day and virtual card has arrived.

My monthly avg salary is ~60k and CIBIL hovers between 770 and 780


If anyone wants to apply ensure your work location and current residence is at same City. I can share the agent contact who helped me to apply.

For agent contact check message number #42

I have recieved my physical card in just 2 days check message #43

Edit 1

Update by user @_amit_
WFH so not possible for me.
In her knowledge, WFH with company address (or any company branch) not in same city usually gets rejected later on.

 

[ronakshah]

you can apply as soon as Select is closed.

Cool thanks for the confirmation

 

[VasukiVasuki is verified member.]

If I close select cc what will be the cooling period to apply for wealth. Also do you see any major benefits over select cc now?

No benefits it's just itch
Wealth cc is now useless if u have biz black & can use apay for insurance payment

 

[ronakshah]

No benefits it's just itch
Wealth cc is now useless if u have biz black & can use apay for insurance payment

Yes I have tata neu infinity and sbi cashback to get apay gv at discounted rate.

 

[helloworld]

If I close select cc what will be the cooling period to apply for wealth. Also do you see any major benefits over select cc now?

both are same. not much to differentiate

 

[VibhavBilgoji]

No benefits it's just itch
Wealth cc is now useless if u have biz black & can use apay for insurance payment

250 x 2 movie tickets per month 😍😍😍

 

[VasukiVasuki is verified member.]

250 x 2 movie tickets per month 😍😍😍

Wow wow wow 😲

 

[VibhavBilgoji]

No.

Don't put anything below 3L. Apply C2C, put monthly income as 3L+, Provide details of CC (HDFC preferred) with CL>=8L

the CL of the other card has to be >8L????

 

[kuchbhikuchbhi is verified member.]

the CL of the other card has to be >8L????

>=5 L will work

 

[SJM]

the CL of the other card has to be >8L????

Ideally yes...although some people have got with slightly lesser limits...but don't go with anything less than 6L

 

[drvenkat]

please share agent details

 

[Gau₹av]

It's a pity that in terms of Reward rate, ALL IDFC credit cards are now the exact same - whether Millennia, Classic, Select and Wealth. Only difference is Select and Wealth have BOGO of 125 and 250 respectively. Lifetime free credit cards are not sustainable for the bank to give continued recent rewards. And the paid cards they have over Wealth - Mayura and Ashwa are ridiculous - despite the high price, even if you spend lakhs and lakhs, the Reward points won't recover their annual fees. The reward rate of Mayura and Ashwa is that poor considering the price. IDFC has no good credit cards left now.