Everything is possible in the world of credit card and banking

[TechnoFinoTechnoFino is verified member.]

Hello to all TF Community members,
People often ask me how I manage to get 5 Axis Bank credit cards, 5 credit cards from Bob Financial, 3 from Hdfc Bank, 4 from IndusInd Bank, and so on.
I always reply, "Everything is possible." You just have to try; you have to ask your bank. If you don't ask your bank, they won't come to you and offer you exceptions.
Let me share a recent story with you guys.
I've had my IDFC First Bank Select credit card since January 20, 2021, almost 2 years ago. I tried to upgrade my Select card to the wealth variant, but it was rejected every time because my credit limit on the Select card was only Rs. 1,82,000/-, while to upgrade to the wealth variant, one must have a minimum of Rs. 3,00,000/- credit limit.
I tried requesting limit enhancement (via email and via RM), but it was rejected every time, citing that IDFC First Bank doesn't have a system to enhance credit limits. But I didn't give up... I tried again and again, and finally today IDFC First Bank decided to enhance my credit limit from 1.82L to 4L

Now I can upgrade my select credit card to wealth easily.
Well, this is not a success story or an inspirational story... But I'm sharing this with you guys because I want you guys to try possible options if you face any problems; the bank might reject you initially, but you'll get results someday.

You have to approach the right person at the right time. People may think that because I run a YouTube channel, it's easy for me to get multiple credit cards or exceptions. But it's not true. I don't use my @technofino.in email ID for my banking, and I also don't mention I run a YouTube channel.

 

[rajgopalsinghal]

what is the criteria to upgrade IDFC select to Wealth?

I have 4.5L on select card, still my card isn't being upgraded to wealth despite multiple requests

 

[anandkk]

Recently my savings account is upgraded to IDFC First wealth account. Is this a zero balance account. Earlier it was mentioned on their site. Now its nowhere mentioned.

Also, just today I have received the IDFC First wealth debit card but there is no amazon prime membership code provided with that in the envelope.

 

[FinoGuy]

Honest & straight to point as always. That's your USP

 

[Digvijay]

Hello to all TF Community members,
People often ask me how I manage to get 5 Axis Bank credit cards, 5 credit cards from Bob Financial, 3 from Hdfc Bank, 4 from IndusInd Bank, and so on.
I always reply, "Everything is possible." You just have to try; you have to ask your bank. If you don't ask your bank, they won't come to you and offer you exceptions.
Let me share a recent story with you guys.
I've had my IDFC First Bank Select credit card since January 20, 2021, almost 2 years ago. I tried to upgrade my Select card to the wealth variant, but it was rejected every time because my credit limit on the Select card was only Rs. 1,82,000/-, while to upgrade to the wealth variant, one must have a minimum of Rs. 3,00,000/- credit limit.
I tried requesting limit enhancement (via email and via RM), but it was rejected every time, citing that IDFC First Bank doesn't have a system to enhance credit limits. But I didn't give up... I tried again and again, and finally today IDFC First Bank decided to enhance my credit limit from 1.82L to 4L
View attachment 7038
Now I can upgrade my select credit card to wealth easily.
Well, this is not a success story or an inspirational story... But I'm sharing this with you guys because I want you guys to try possible options if you face any problems; the bank might reject you initially, but you'll get results someday.

You have to approach the right person at the right time. People may think that because I run a YouTube channel, it's easy for me to get multiple credit cards or exceptions. But it's not true. I don't use my @technofino.in email ID for my banking, and I also don't mention I run a YouTube channel.

The struggle is real but it's worth it!

 

[TheTrickySid]

Recently my savings account is upgraded to IDFC First wealth account. Is this a zero balance account. Earlier it was mentioned on their site. Now its nowhere mentioned.

Also, just today I have received the IDFC First wealth debit card but there is no amazon prime membership code provided with that in the envelope.

How was it upgraded??

Mab maintained??
Age of account??

 

[Parveshgarg]

Recently my savings account is upgraded to IDFC First wealth account. Is this a zero balance account. Earlier it was mentioned on their site. Now its nowhere mentioned.

Also, just today I have received the IDFC First wealth debit card but there is no amazon prime membership code provided with that in the envelope.

Hey man how do you get upgrade will you please share your story??

 

[lucky]

lol and here IDFC gave me Limit of 1,20,000 on Wealth , it was converted from OneCard to Wealth. The OneCard limit was 4,00,000

Upon asking for LE they said it can’t be done as I had Select Card with them(which I barely used) and Limit has to be shared with OLD Card’s limit.

Makes no sense to give VISA INFINITE CARD with 1,20,000 limit. That gets Exhausted within 10 days of bill date and to maintain the 30% Limit thing have to Keep paying back to back. Wealth have really Great Reward Rate after Accelerated 30k Spends.

Can you give rough Idea on how to Get LE NOW? Already asked them to match Limit with HDFC, Axis Card but they Denied that too

 

[anandkk]

How was it upgraded??

Mab maintained??
Age of account??

Maintain 10L+ for about a month.

Then write a mail.
Age of account just more than an year.

Actually I wanted this wealth account for upgrading my select card to wealth card.

 

[Sidd4g]

Hello to all TF Community members,
People often ask me how I manage to get 5 Axis Bank credit cards, 5 credit cards from Bob Financial, 3 from Hdfc Bank, 4 from IndusInd Bank, and so on.
I always reply, "Everything is possible." You just have to try; you have to ask your bank. If you don't ask your bank, they won't come to you and offer you exceptions.
Let me share a recent story with you guys.
I've had my IDFC First Bank Select credit card since January 20, 2021, almost 2 years ago. I tried to upgrade my Select card to the wealth variant, but it was rejected every time because my credit limit on the Select card was only Rs. 1,82,000/-, while to upgrade to the wealth variant, one must have a minimum of Rs. 3,00,000/- credit limit.
I tried requesting limit enhancement (via email and via RM), but it was rejected every time, citing that IDFC First Bank doesn't have a system to enhance credit limits. But I didn't give up... I tried again and again, and finally today IDFC First Bank decided to enhance my credit limit from 1.82L to 4L
View attachment 7038
Now I can upgrade my select credit card to wealth easily.
Well, this is not a success story or an inspirational story... But I'm sharing this with you guys because I want you guys to try possible options if you face any problems; the bank might reject you initially, but you'll get results someday.

You have to approach the right person at the right time. People may think that because I run a YouTube channel, it's easy for me to get multiple credit cards or exceptions. But it's not true. I don't use my @technofino.in email ID for my banking, and I also don't mention I run a YouTube channel.

IDFC availablity pincode list

 

[abhishek12333@rediffmail.]

To get IDFC Wealth CC, the easiest way is to first upgrade your S/B A/C to Wealth Account, for which a huge balance is required. After upgrading to Wealth Account, IDFC upgrades Select CC to Wealth CC upon request. I got upgraded in this way.

But, is Wealth CC worth it for the balance you are required to maintain? Certainly not, especially when there is hardly any difference between the 2 cards.

 

[V360V360 is verified member.]

To get IDFC Wealth CC, the easiest way is to first upgrade your S/B A/C to Wealth Account, for which a huge balance is required. After upgrading to Wealth Account, IDFC upgrades Select CC to Wealth CC upon request. I got upgraded in this way.

But, is Wealth CC worth it for the balance you are required to maintain? Certainly not, especially when there is hardly any difference between the 2 cards.

Not exactly correct - depends on your RM and Branch Manager. I had my account upgraded to Wealth by maintaining <10L balance. Requested them for an upgrade to Wealth CC and now it it under process.

 

[abhishek12333@rediffmail.]

Even 9 lakhs is a huge balance !!

 

[Alwàys_Bélîevé_Yøursélf🎯]

All credit card linked same customer id??? Axis bank 5 credit cards???

 

[TechnoFinoTechnoFino is verified member.]

All credit card linked same customer id??? Axis bank 5 credit cards???

yes

 

[chasni]

I have a normal savings account with IDFC since 2018. Last yr, they auto-upgraded my account to Select and then I applied for a Select credit card. After using the card for 4-5 months, I wrote them an email to upgrade the credit card to Wealth and it got approved on the first try. I still hold a Select Savings account. So, I think it all depends on luck and the person approving these requests.

 

[Mohur]

Threatening the bank that you will else close your account with them also works wonders many times.

 

[smmanas]

I have a normal savings account with IDFC since 2018. Last yr, they auto-upgraded my account to Select and then I applied for a Select credit card. After using the card for 4-5 months, I wrote them an email to upgrade the credit card to Wealth and it got approved on the first try. I still hold a Select Savings account. So, I think it all depends on luck and the person approving these requests.

I do have a Wealth savings account for almost 15 months now and hold a select CC.. I too want to upgrade the CC to wealth variant .. how do I approach them? via RM or any support email ID? can you share the email ID to which you had sent an email for upgradation.. TIA..

 

[chasni]

I do have a Wealth savings account for almost 15 months now and hold a select CC.. I too want to upgrade the CC to wealth variant .. how do I approach them? via RM or any support email ID? can you share the email ID to which you had sent an email for upgradation.. TIA..

it was creditcard@idfcfirstbank.com

 

[BlueFlash]

lol and here IDFC gave me Limit of 1,20,000 on Wealth , it was converted from OneCard to Wealth. The OneCard limit was 4,00,000

Upon asking for LE they said it can’t be done as I had Select Card with them(which I barely used) and Limit has to be shared with OLD Card’s limit.

Makes no sense to give VISA INFINITE CARD with 1,20,000 limit. That gets Exhausted within 10 days of bill date and to maintain the 30% Limit thing have to Keep paying back to back. Wealth have really Great Reward Rate after Accelerated 30k Spends.

Can you give rough Idea on how to Get LE NOW? Already asked them to match Limit with HDFC, Axis Card but they Denied that too

Bro, did you get your OneCard closed after you got the Wealth ? Or did you activate your OneCard to a new banking partner and keeping both ? Or is your OneCard just passive state due to no action ?