Close Idfc select card to get Idfc wealth card. Tips?

[RockyBond]

I am tired of Idfc bank not upgrading my Select Card to wealth. I want to apply on basis of My amex card having limit of 6.3 lakhs.

Please help these queries.

1. After closing Select how many days to wait before applying?
2. Can i apply from same mobile number or need to our different number ?
3. My Amex limit was enhanced just 1 week back and is showing in my cibil as 6.3 lakhs so okay to go ahead?

 

[Avatar Aang]

Sorry to come back on this.
What does 'no interest on cash withdrawals' mean? How does it work?

As what I understand, if the cash withdrawal limit is saying 50000, if someone withdraws 50k from an ATM, there is no interest? He just needs to pay back 50k in the next bill? (+ Some one-time charges?)

Y e s

 

[BVCBVC is verified member.]

Sorry to come back on this.
What does 'no interest on cash withdrawals' mean? How does it work?

As what I understand, if the cash withdrawal limit is saying 50000, if someone withdraws 50k from an ATM, there is no interest? He just needs to pay back 50k in the next bill? (+ Some one-time charges?)

Yes you are right. only 199+ GST will be charged within a billing cycle, for all IDFC Credit cards.

 

[sharma]

When I placed close request retention team confirmed select card with more than three lak can be upgraded to wealth itseems.

 

[Chethan_br]

As per the info obtained from TF. I closed my select credit card in June 2024. And waited for few months and again applied in Nov with different phone number and work address. I showed salary as 1.5 lakh per month and Credit card as Axis Select with 11.1 lakh limit (Actually I have got 3 axis cards with combined limit of 11.1 lakh). And boom I was shown wealth credit card with 7.7 lakh limit without any document verification.
What I understood from this is the data that you enter should match your data in CIBIL. If that is done and if you have higher credit limit the chances of getting wealth is more.

 

[Ram1]

As per the info obtained from TF. I closed my select credit card in June 2024. And waited for few months and again applied in Nov with different phone number and work address. I showed salary as 1.5 lakh per month and Credit card as Axis Select with 11.1 lakh limit (Actually I have got 3 axis cards with combined limit of 11.1 lakh). And boom I was shown wealth credit card with 7.7 lakh limit without any document verification.
What I understood from this is the data that you enter should match your data in CIBIL. If that is done and if you have higher credit limit the chances of getting wealth is more.

Also pincode matters. Some guys got wealth with just 5L from other cards

 

[sharma]

Will the physical verification happens, I closed my select and opted again from another number.
Currently it's pending. Yesterday I applied still waiting for the update.

 

[Ram1]

Will the physical verification happens, I closed my select and opted again from another number.
Currently it's pending. Yesterday I applied still waiting for the update.

Check ur status on website. Through steps u can know whether there going to be physical verification or not

 

[sharma]

Check ur status on website. Through steps u can know whether there going to be physical verification or not

Just now a person visited. Not sure by when I'll come to know the app status

 

[Ram1]

Just now a person visited. Not sure by when I'll come to know the app status

It will be done, 99% approved

 

[sharma]

It will be done, 99% approved

He approved it, it's at fourth stage now
Not sure how much time it'll take.

 

[Ram1]

He approved it, it's at fourth stage now
Not sure how much time it'll take.

2 days may be

 

[Chethan_br]

For me IDFC conducted physical verification twice.. It almost took 1 week from the date of apply to the date of approval. Once physical verification is done, card status will be updated within 24hours.

 

[fradela]

In 1st week of 2024, My IDFC First Select Credit Card was closed automatically for not using 1 year.
Next week, I applied and got IDFC First Wealth Credit Card.

 

[BVCBVC is verified member.]

In 1st week of 2024, My IDFC First Select Credit Card was closed automatically for not using 1 year.
Next week, I applied and got IDFC First Wealth Credit Card.

With the same number or new number??