Eligiblity for IDFC wealth credit card

[Gangadhar]

My CTC is 6.2 LPA and i have a HDFC Regalia credit card with 3L limit, would i able to apply for IDFC select or Wealth credit card on a C to C Basis?

 

[satyamkaushik]

But i heard that hdfc bank not reporting credit limit to cibil then how idfc online system know that i have hdfc card with this limit?

That's correct. HDFC doesn’t report the credit limit but report the highest spending on the card. I am sure IDFC would surely be doing an overall profiling based on the details provided and the CIBIL report. In my case I also had other cards on CIBIL with similar limits and had a decent CIBIL score overall.

I would suggest try applying for the card based on the method discussed. It should get through in all likelihood.

 

[ADITYA1904]

I have hdf

That's correct. HDFC doesn’t report the credit limit but report the highest spending on the card. I am sure IDFC would surely be doing an overall profiling based on the details provided and the CIBIL report. In my case I also had other cards on CIBIL with similar limits and had a decent CIBIL score overall.

I would suggest try applying for the card based on the method discussed. It should get through in all likeliho

That's correct. HDFC doesn’t report the credit limit but report the highest spending on the card. I am sure IDFC would surely be doing an overall profiling based on the details provided and the CIBIL report. In my case I also had other cards on CIBIL with similar limits and had a decent CIBIL score overall.

I would suggest try applying for the card based on the method discussed. It should get through in all likelihood.

I have hdfc infinia with 8L limit and icici coral and amazon pay with 7.5L limit, which card for c2c basis?

 

[xiddy]

How much salary do you need for wealth? Do they check salary on C2C basis? I have ICICI platinum with 5.1L.

 

[satyamkaushik]

I have hdf


I have hdfc infinia with 8L limit and icici coral and amazon pay with 7.5L limit, which card for c2c basis?

You should try with HDFC Infinia.

 

[suhailmz]

Hello, I need your opinion. I hold a savings account with IDFC, with an AMB of 3.6 lakh. I keep getting the Select card offer & when i checked today, the credit limit offered is 3.95 lakh, which seems decent. However, I am keen on the Wealth card.
Do you suggest me to take Select and try for an upgrade later or push my RM for Wealth card / increase my AMB to 10 lakh & then try wealth account upgarde+wealth card? @amar666 @TechnoFino

 

[R!ppEr]

Hello, I need your opinion. I hold a savings account with IDFC, with an AMB of 3.6 lakh. I keep getting the Select card offer & when i checked today, the credit limit offered is 3.95 lakh, which seems decent. However, I am keen on the Wealth card.
Do you suggest me to take Select and try for an upgrade later or push my RM for Wealth card / increase my AMB to 10 lakh & then try wealth account upgarde+wealth card? @amar666 @TechnoFino

best would be to use an existing card with over 4lac limit to get the wealth card. Else take select and later push for an upgrade since increasing your AMB to 10lac just for cards sake doesnt make much sense

 

[suhailmz]

best would be to use an existing card with over 4lac limit to get the wealth card. Else take select and later push for an upgrade since increasing your AMB to 10lac just for cards sake doesnt make much sense

Don’t have one with 4L+ . I have Amazon Apay with 4.9 Lakh but I guess they don’t accept it for C2C basis. My next best is Regalia but it has 3.45 lakh limit.

 

[R!ppEr]

Don’t have one with 4L+ . I have Amazon Apay with 4.9 Lakh but I guess they don’t accept it for C2C basis. My next best is Regalia but it has 3.45 lakh limit.

if the regalia is old, try getting LE on that first and basis that try for wealth 😀

 

[H2O]

if the regalia is old, try getting LE on that first and basis that try for wealth 😀

How much limit is required on Regalia?

 

[R!ppEr]

How much limit is required on Regalia?

for wealth apart from apay, for other cards its 4lacs i believe

 

[suhailmz]

for wealth apart from apay, for other cards its 4lacs i believe

Any idea if ICICI MMT signature works?

 

[R!ppEr]

Any idea if ICICI MMT signature works?

you can give it a try online and check, but ive heard on the forum that co branded cards are less likely to be accepted.

 

[H2O]

for wealth apart from apay, for other cards its 4lacs i believe

I have tried with Accelero from ICICI with 11.5 L limit yet was offered millenia. 😂😂

 

[suhailmz]

Looks like they really are very selective about the wealth card. I’m thinking of getting the Select 4 Lakh CL variant and then subsequently opt for limit increase. That might help in upgrading to Wealth.

 

[suhailmz]

How to get select card to card

While applying on the website, they would ask you about your current credit card variant and credit limit.

 

[CardSeeker]

Tried to applied with 5lakhs Card Got SELECT With 1.5Lakhs Limit

Not interested in select

 

[suhailmz]

Tried to applied with 5lakhs Card Got SELECT With 1.5Lakhs Limit

Not interested in select

Same here, no point in getting select.

 

[manas_rock]

I sent them ITR with 1 cr+ annual salary income, but IDFC rejected wealth card. I sent and discussed a couple of times- no avail.

 

[roshancc]

I have Wealth Account with IDFC currently have an IDFC Classic Card can I ask CS for upgrade ?

 

[suhailmz]

I have Wealth Account with IDFC currently have an IDFC Classic Card can I ask CS for upgrade ?

Yes, push your RM