Got IDFC wealth credit card very easily

[Harvey_Dent]

Anyone looking to apply for IDFC wealth credit card, go through this post once

I used to apply for IDFC credit cards last year. Every time it got rejected. This time I went to a mall and applied through an agent there.

The process was very simple. He said there are only two criteria for IDFC wealth cc. I only wanted wealth.
1. Salary 4 lakhs
OR
2. Existing card limit 4 lakhs for c2c and at least 1 year old card

I applied c2c using my ICICI apay card with 4.1 lakh limit and 1.2 years old, contray to popular belief it doesn’t work for c2c. The agent did all the application, no salary slips, no documents. Don’t know what salary he filled, but I was shown wealth and applied. I was surprised though.

Later office address verification happened on phone, I said I wfh. I was also sent a mail on my office email to verify company address and name. Process was smooth, even though their portal sucks. Approved within 3 days excluding weekend. Got same limit as apay.

I know this card is devalued now, but still it’s good for offers and dreamfolks membership, which I guess doesn’t have any minimum spends criteria.

10 days earlier I got sapphiro LTF under alumni program, and also got axis select. This is my last application of the year. Next year, I am looking to apply DCB or regalia LTF.

EDIT on 31st July: I received my card. If anyone wondering the lounge access associated with this card. Here’s the detailed info I checked on dreamfoks.

Domestic lounge: 4/qtr, can use cc or dreamfolks card. I know people might challenge this, but IDFC’s partnership with dreamfoks is a bit different compared to ICICI. Hence can use both

International lounge: 4/qtr using dreamfolks card

Railway lounge: 4/qtr. Can take 1 guest as well on that card

Domestic Airport spa: 4/qtr

Grand Total: 16, definitely worth for a LTF card

 

[deep@vie]

My application was stuck in credit review phase, today I got a call from backend team stating that the home address and office address are very far so kindly update a new home address. So I did update the address and again called him, he said don't worry your application will be processed in a day or two

Yeah, generally office has to be within 100km if not WFH

 

[Harvey_Dent]

I have kotak zen with 4 lac. Highest limit

Might work, my Apay was 4.2. You can try

 

[Pgoel06]

Might work, my Apay was 4.2. You can try

I m self employed what income should I enter it's approx 24lac

 

[Vaastav]

My application was stuck in credit review phase, today I got a call from backend team stating that the home address and office address are very far so kindly update a new home address. So I did update the address and again called him, he said don't worry your application will be processed in a day or two

Did your application went back to the Verification Stage from Credit Review Stage?? Same thing happened to me. I received a message that your Office Address Couldn't be verified and they gave me a link to update new address. After doing that my application went back to Verification Stage 🙁

 

[SpiesCan'tCatchMe]

Did your application went back to the Verification Stage from Credit Review Stage?? Same thing happened to me. I received a message that your Office Address Couldn't be verified and they gave me a link to update new address. After doing that my application went back to Verification Stage 🙁

Yes my application went back to application started phase (1st step)

 

[KLB@96]

I m self employed what income should I enter it's approx 24lac

I mean you can either use c2c but it’s 4 lacs am not sure they will give you wealth they might give you wealth. If going through self employed then should be fine I guess but IDFC is kinda weird sometimes they don’t care to ppl having good score / good c2c. You might try your luck.

 

[AlphaCAT]

Did your application went back to the Verification Stage from Credit Review Stage?? Same thing happened to me. I received a message that your Office Address Couldn't be verified and they gave me a link to update new address. After doing that my application went back to Verification Stage 🙁

On which date you applied and when did u receive link to update office address ??

 

[Vaastav]

On which date you applied and when did u receive link to update office address ??

I applied on 24th August and Today I received Link to Update Office Address. Moreover In the Application Tracking Page, My Application Submitted date has changed from 24th Aug to 28th August (Time After I Updated Office Address)

 

[KLB@96]

I applied on 24th August and Today I received Link to Update Office Address. Moreover In the Application Tracking Page, My Application Submitted date has changed from 24th Aug to 28th August (Time After I Updated Office Address)

Can you share the tracking link

 

[AlphaCAT]

I applied on 22 night at around 9 PM , office verification happened on 23 , on 24 tele verification happened and application went to credit review . Earlier ETA was 29 August, then moved to 30 and now it's 1 September. God knows , what IDFC is cooking BTS !!

I applied on 24th August and Today I received Link to Update Office Address. Moreover In the Application Tracking Page, My Application Submitted date has changed from 24th Aug to 28th August (Time After I Updated Office Address)

 

[AlphaCAT]

Can you share the tracking link

Credit Card Tracking - Track my Credit Card Application | IDFC FIRST Bank

Tracking your credit card application status can be done very easily by following these simple steps. Input your details & track your credit card application today!

www.idfcfirstbank.com

 

[MOhit __]

Some people have two cards,try with different number you might get.

IDFC 2 core cards?

 

[deep@vie]

IDFC 2 core cards?

Yeah, I read it on technofino only

 

[Harvey_Dent]

I m self employed what income should I enter it's approx 24lac

Above 3L/pm or 40LPA. No verification if income docs will happen

 

[MOhit __]

Yeah, I read it on technofino only

🙄 🙄 😭 😭 SELECT hai already

 

[KLB@96]

Guys, for those who got approval msg how long did it take to get the card delivered to address ? I got approval msg and email on 25th and I did not receive any details regarding card delivery /courier details. When can I expect ?

 

[H2O]

To answer everyones queries. What i have found out that directly getting the wealth card is simply a matter of how much existing limit you have in your old cards if your cards have 6–7-8-10 lakhs limit it is a cakewalk. My friend who was earlier an NRI, earning 4 lakhs in hand got only select variant whereas me and various others having less than 1 lakh (1 person also having 30k salary) have been approved basis limits on existing cards.

Not true, I did try with 11.5 Lac ICICI cards, still given the option to select a millennia card.

 

[SpiesCan'tCatchMe]

Not true, I did try with 11.5 Lac ICICI cards, still given the option to select a millennia card.

More like the credit limit and credit age matters but they do consider the income you enter.

 

[samm255]

Guys, for those who got approval msg how long did it take to get the card delivered to address ? I got approval msg and email on 25th and I did not receive any details regarding card delivery /courier details. When can I expect ?

3-5 days. They usually dispatch through Bludart.

 

[H2O]

More like the credit limit and credit age matters but they do consider the income you enter.

Salary entered was 3L.
Company is a top tier.
CC age is good as well.
Location - Delhi

I tried twice, after that i gave up on this card. They are doing “akkad bakkad” while giving it to the requester.