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

 

[Abhishek20]

E-mail to bank from your official e-mail that you're WFH

Which email? I assume the department which handles cc application, verification and related stuff would be different from the customer facing emails.

For HDFC, I remember there used to be some westcuring.hdfcbank email ID where we had to declare our WFH status mentioning our application number to take it forward. I am not sure if something similar exists for IDFC.

 

[Abhishek20]

They won't outright reject . Maybe keep the application pending for 7-8 days and then reject ! IDFC can do anything out of the blue !

They rejected it citing internal policy criteria. 😭 Most probably due to office verification failure as I was not there. I have appealed to re-review the application considering my WFH but not hopeful...

 

[jack333]

They rejected it citing internal policy criteria. 😭 Most probably due to office verification failure as I was not there. I have appealed to re-review the application considering my WFH but not hopeful...

They usually decline if distance between home and office is 100km or more

 

[Abhishek20]

They usually decline if distance between home and office is 100km or more

Is this "usually" only applicable when office verification happens? Many have reported no office verification taking place in their case. Are the application approved in that case if distance is >100km?

 

[Chaitanya-a]

How long does it takes to get card generated and display on mobile banking after approval?

My card is showing approved since past 3 days but not yet visible on IDFC app. On application tracker also, it is not showing tick mark besides "Card generated" step.

I've applied from number which is different from savings & existing wow card. I even haven't received any message of approval yet. Only showing on application tracker.

 

[Rahul Gupta]

How long does it takes to get card generated and display on mobile banking after approval?

My card is showing approved since past 3 days but not yet visible on IDFC app. On application tracker also, it is not showing tick mark besides "Card generated" step.

I've applied from number which is different from savings & existing wow card. I even haven't received any message of approval yet. Only showing on application tracker.

Which card bro? mujhe nhi btaya.

 

[Chaitanya-a]

Which card bro? mujhe nhi btaya.

Select card bro. Abi card hath me kaha aaya jo good news sunata😂

 

[samm255]

I even haven't received any message of approval yet

You will receive email for card issuance with customer id. If same customer id is for savings and card account then you will see in your mobile app. In my case, once I receive approval text message, it was instantly generated. I don't have savings account though.

 

[Rahul Gupta]

Select card bro. Abi card hath me kaha aaya jo good news sunata😂

oho good newssss. btw kitni limit milli.

 

[SpiesCan'tCatchMe]

How long does it takes to get card generated and display on mobile banking after approval?

My card is showing approved since past 3 days but not yet visible on IDFC app. On application tracker also, it is not showing tick mark besides "Card generated" step.

I've applied from number which is different from savings & existing wow card. I even haven't received any message of approval yet. Only showing on application tracker.

As soon as you get the sms or email saying your application is approved. Just login in the app via the same number and your card will be visible right there

 

[CosmicCat]

My IDFC FIRST Bank Classic credit card was approved 3 days ago. I checked in the Application Tracking page that it was dispatched the day before yesterday, but it doesn't mention any tracking information there.

Also, I'm yet to receive any SMS/email from them about the tracking information. Had to get the AWB number from their customer care.

Can anybody, who got their IDFC First Bank cards recently, tell if they have stopped sending card dispatch messages or what?

 

[pprakash11]

My IDFC FIRST Bank Classic credit card was approved 3 days ago. I checked in the Application Tracking page that it was dispatched the day before yesterday, but it doesn't mention any tracking information there.

Also, I'm yet to receive any SMS/email from them about the tracking information. Had to get the AWB number from their customer care.

Can anybody, who got their IDFC First Bank cards recently, tell if they have stopped sending card dispatch messages or what?

yes they do not send updates now

 

[ccgeek07]

Tried with criteria of 3L+ salary, company in drop-down and Sapphiro Card with limit of 4.6L. Still offered only Select variant with 2L limit. I cancelled the application outright.

 

[SpiesCan'tCatchMe]

Tried with criteria of 3L+ salary, company in drop-down and Sapphiro Card with limit of 4.6L. Still offered only Select variant with 2L limit. I cancelled the application outright.

Should've used a card with limit of 5+ lacs to be on a safe side

 

[ccgeek07]

Should've used a card with limit of 5+ lacs to be on a safe side

Tried that too after cancelling the first application. Still offered the same Select variant with 2L limit.👎

 

[SpiesCan'tCatchMe]

Tried that too after cancelling the first application. Still offered the same Select variant with 2L limit.👎

Yeah there a few workarounds you should keep in mind like:
Metro city pin code
5+ limit
Preferably cc age 1 yr +
Salary 3+
And previous application should be deleted

 

[Deepak_Shetty]

Yeah there a few workarounds you should keep in mind like:
Metro city pin code
5+ limit
Preferably cc age 1 yr +
Salary 3+
And previous application should be deleted

I have received 5 lakh limit wealth card . But in my case
Not metro city
Limit 4.34 lakh
Didn't complete previous application, this time I have used another number.

 

[KLB@96]

Guys IDFC algorithm is different lol you don’t know which card you’ll get no matter what income and which card you use. Few ppl got wealth with amazon pay card also and ppl with infinia also shown classic card as eligibility so you’ll just have to be lucky lol

 

[SpiesCan'tCatchMe]

Guys IDFC algorithm is different lol you don’t know which card you’ll get no matter what income and which card you use. Few ppl got wealth with amazon pay card also and ppl with infinia also shown classic card as eligibility so you’ll just have to be lucky lol

This seems to be correct

 

[Jhon Anand]

Followed your steps and Put Sapphiro Card in Place of Apay and it Also showed me Wealth CC with 5L Limit. Instantly Did VKYC. What are my chances of approval??

What was limit of sapphiro ? I got wow with sapphiro 3L, 2 months old