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?

 

[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.

even HDFC had initially rejected Infinia, but I escalated it and tried a lot.
I got Infinia, Magnus, vistara now.
But, IDFC is not ready to budge at all. I sent them my bank statement, salary slip, ITR evrything.

 

[suhailmz]

even HDFC had initially rejected Infinia, but I escalated it and tried a lot.
I got Infinia, Magnus, vistara now.
But, IDFC is not ready to budge at all. I sent them my bank statement, salary slip, ITR evrything.

Idfc is expected to be the next HDFC in India, but looking at their way do handing customer applications, I am doubtful.

 

[Pravnz]

even HDFC had initially rejected Infinia, but I escalated it and tried a lot.
I got Infinia, Magnus, vistara now.
But, IDFC is not ready to budge at all. I sent them my bank statement, salary slip, ITR evrything.

I don't see any additional advantage this card going to provide you compared to the premium cards you already possess. What makes it attractive to you?

 

[manas_rock]

I don't see any additional advantage this card going to provide you compared to the premium cards you already possess. What makes it attractive to you?

I initially wanted the card for international lounge access.
What makes IDFC wealth card attractive is it is life time free.

 

[CardSeeker]

Where to applied i wa t select and i have 5 lakh limit of my current cc whom to contact ?

Applied Online Bro

 

[xiddy]

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

FYI, they offered me Select with this and said that I can request an upgrade to Wealth in 3 months and they might consider it.

 

[manas_rock]

FYI, they offered me Select with this and said that I can request an upgrade to Wealth in 3 months and they might consider it.

yes, thats too expensive. will have to spend 6-7 lakhs on select card for it. same spend on magnus will give you 60k in reward points. I can't spend 60k to get wealth card.

 

[azaan]

i applied using magnus and got around 90% of the limit of magnus for the wealth card

Do they push to open a savings account with them?
Also how old is your Magnus, I saw someone saying it needs to be atleast 1 year old with 4/5 lakhs credit limit.

 

[R!ppEr]

Do they push to open a savings account with them?
Also how old is your Magnus, I saw someone saying it needs to be atleast 1 year old with 4/5 lakhs credit limit.

1. Nope everything was online no connect with anyone apart from vkyc
2. it was a couple of months old

 

[azaan]

1. Nope everything was online no connect with anyone apart from vkyc
2. it was a couple of months old

So, let’s say I have a 2 months old Magnus with 4 lakhs limit. I’ll probably get IDFC First Wealth cc?

 

[R!ppEr]

So, let’s say I have a 2 months old Magnus with 4 lakhs limit. I’ll probably get IDFC First Wealth cc?

should get it!

 

[Pravnz]

So, let’s say I have a 2 months old Magnus with 4 lakhs limit. I’ll probably get IDFC First Wealth cc?

Not necessarily, I have seen several posts mentioning that even with 8L+ limit and/or with 780+ Cibil were offered 'Select' variant only. I believe apart from the above mentioned criteria they also weigh-in whether you are salaried or business person and even the company you work for (like tiered list for AU CC)

 

[anirban.choudhuryanirban.choudhury is verified member.]

Not necessarily, I have seen several posts mentioning that even with 8L+ limit and/or with 780+ Cibil were offered 'Select' variant only. I believe apart from the above mentioned criteria they also weigh-in whether you are salaried or business person and even the company you work for (like tiered list for AU CC)

Yeah
I have been offered a select card on c2c with 2.14 lakh limit against my icici Sapphiro 23.7 lakhs limit 😀

 

[gurubhai]

Yeah
I have been offered a select card on c2c with 2.14 lakh limit against my icici Sapphiro 23.7 lakhs limit 😀

Did you apply online or offline?
I got select too with my 3L+ sapphiro limit.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Did you apply online or offline?
I got select too with my 3L+ sapphiro limit.

Online

 

[suhailmz]

One of my friend just received his wealth card. While applying, he used his Amex MRCC card which is I believe 4-5 years old & credit limit is 4.5 Lakh.

 

[gurubhai]

Online

Man.. 23.7L limit and still getting Select is sad 🙁
I didn't accept it and I am thinking to apply later again someday. As Select is a mediocre card, I won't be be using it anyway at all.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Man.. 23.7L limit and still getting Select is sad 🙁
I didn't accept it and I am thinking to apply later again someday. As Select is a mediocre card, I won't be be using it anyway at all.

Yeah
But I feel select is ok for me , for those railway lounge access , I already have unlimited domestic and international lounge accesses on Eterna and Magnus respectively . I didn’t find much benefits on wealth over and above select .
Anyways I spoke to customer care for an upgrade and they said only after 3 bills , I can place a upgrade request.
But now I m just thinking whether I should really upgrade or not

 

[roshancc]

I wrote a mail to IDFC "upgrade me with Wealth CC or I terminate Account of entire Family Group with high NVR" 🤣

 

[karanssh]

you can ask them to remove the cibil hits. They will approve it in 2-3 weeks and will remove it in 1 week after confirmation. I just removed 4 IDFC inquiries last month

can you please share how you did it?
I just got IDFC select on C2C basis, my card has 8L limit since last 2 years