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

 

[Kumar93196]

Can you help someone (to get IDFC Wealth) who had closed IDFC select a few months ago and now holds IDFC wow ?

If you hold a card of idfc even its secured or unsecured than you can't apply for second card.

 

[Kumar93196]

View attachment 30688

🙁🙁🙁

you might have mentioned higher income in your case and your cibil doesn't have these details hence the bank is asking for that. Btw highest limit credit card you have and its of which bank?

 

[Kumar93196]

Help us!!
I am new for HDFC

Sorry for delay i sent the details to bank pls be patience you might get infinia

 

[gowthamv]

you might have mentioned higher income in your case and your cibil doesn't have these details hence the bank is asking for that. Btw highest limit credit card you have and its of which bank?

ICICI Apay - 5.4L

Yeah, I did not mention original values and mentioned a higher income. Was not sure whether CIBIL would have these info.

 

[Kumar93196]

ICICI Apay - 5.4L

Yeah, I did not mention original values and mentioned a higher income. Was not sure whether CIBIL would have these info.

Mention hdfc cc with 6lac limit. Try again with this

 

[Kumar93196]

Mention hdfc cc with 6lac limit. Try again with this

If you Apply through my link i can give you free goodies.....😅 Otherwise i am fine as the things are.

 

[gowthamv]

Mention hdfc cc with 6lac limit. Try again with this

But it is not possible to apply again right?

 

[Kumar93196]

But it is not possible to apply again right?

You can just click on cancel Application and try again just mention different card there.

 

[gowthamv]

You can just click on cancel Application and try again just mention different card there.

But I don't have any HDFC CC with 6L limit.

The other high limit card I have is Indusind Legend with 5L limit.

 

[Kumar93196]

But I don't have any HDFC CC with 6L limit.

The other high limit card I have is Indusind Legend with 5L limit.

Just mention it they don't ask for any docs in the case of hdfc cc

 

[ak95]

If you hold a card of idfc even its secured or unsecured than you can't apply for second card.

If I close my secured WOW card today… will it be possible then ??

 

[Kumar93196]

If I close my secured WOW card today… will it be possible then ??

Yes possible after 90 days.

 

[ANANTMANTRIISHERE]

Closed my Millenia First today after 2 weeks of trying to get an upgrade or limit enhancement, hoping to apply on C2C with 2.5 year old Sapphiro with 10 Lakh limit next month. Though hesitant to enter 3L/month just in case they ask for docs.

 

[Kumar93196]

Closed my Millenia First today after 2 weeks of trying to get an upgrade or limit enhancement, hoping to apply on C2C with 2.5 year old Sapphiro with 10 Lakh limit next month. Though hesitant to enter 3L/month just in case they ask for docs.

Don't enter salary 3 lac mention salary between 1lac to 2lac and just mention hdfc cc with 10lac even if you have any bank cc just mention the limit of your highest cc and in bank column mention hdfc and keep the varient column blank.

 

[SmartSave]

Just got my IDFC First Wealth CC.

Applied on 17th. Did VKYC same day. Due to 1 day holiday, physical verification took longer but it was done.

Applied as Self Employed on C2C with Home and Office address same (I have a registered firm).

Used my HDFC Regalia with over 6L limit to apply with a new number (I could've used my existing number but just didn't want to risk it). I used to have First Millennia with lowest limit and unused for 2 years. Multiple failed attempts to upgrade or get limit enhancement didn't work. Finally closed (Retention team advised to close and reapply immediately -- No cooling period for such old cards) and reapplied within few days.

They probably looked up my firm's social handles or searched online a bit to figure out things which they mentioned over the call which were not mentioned by me in the form (nothing misleading or wrong, everything legit, so their verification probably yield them positive results).

At the end they ended up linking it to my primary number and customer ID (from the previous card).

P.S. Card quality looks cheap for a wealth card tho. It came with minor scratches and looks like it was pulled from the printing machine or like those lines you see after you've used it in swiping machine for few months, that's what I can see. This doesn't come with physical dream folks card?

 

[tbk]

I've year old IDFC millennia cc with sub 50k limit , had emailed them for limit enhancement with all the documents but they don't budge,

I've other bank cc with more limit, any way to get upgraded?

 

[Kumar93196]

I've year old IDFC millennia cc with sub 50k limit , had emailed them for limit enhancement with all the documents but they don't budge,

I've other bank cc with more limit, any way to get upgraded?

As far as i know idfc upgrade or enactment limit once in every 50 Application they receive so only option available is to close current card and Apply after 90 dys

 

[ANANTMANTRIISHERE]

Don't enter salary 3 lac mention salary between 1lac to 2lac and just mention hdfc cc with 10lac even if you have any bank cc just mention the limit of your highest cc and in bank column mention hdfc and keep the varient column blank.

Thank you, I will do that. As suggested by people here, should I use another number? I have an IDFC savings account with this number and just closed Millenia, any cooling period?

 

[Kumar93196]

Thank you, I will do that. As suggested by people here, should I use another number? I have an IDFC savings account with this number and just closed Millenia, any cooling period?

Try applying with another no which is not in account for higher card otherwise you will stuck on same. And if you recived a confirmation from idfc that card is successfully closed than you can Apply after 90 days for better chances of Approval and if you use my link for Approval i might be able to provide you some complementary gift

 

[Deepak_Shetty]

This doesn't come with physical dream folks card?

You will get dream folks card within a week