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

 

[vaibhav111vaibhav111 is verified member.]

T

They don’t do any physical verification. Give your friend’s address, ask him to courier you later

Nope, idfc too physical verification for wealth. For entry level they might won't do. It completely false idfc don't do physical verification.

 

[Deleted member 11974]

Bro, what issue your facing! It quit easy until too many enquiry by idfc in short teriod of time

I wrote an email to banker@idfcfirst
They just gave me a LE
Didn't upgrade it

 

[gamersgzb]

Bro, what issue your facing! It quit easy until too many enquiry by idfc in short teriod of time

Issue with upgrading select to wealth is that they do not consider much about your salary and idfc saving account balance.. credit card team and saving account team work in silos... My salary is good and account balance was 15 lakh plus still they did not upgraded my select card to wealth... As they only upgrade if your idfc cc limit is 5 lakh .. i do have 6+ lakh on 3 other cards.. but still idfc rejected my upgrade

 

[pprakash11]

I wrote an email to banker@idfcfirst
They just gave me a LE
Didn't upgrade it

With income docs ?

 

[pprakash11]

Nope, idfc too physical verification for wealth. For entry level they might won't do. It completely false idfc don't do physical verification.

True.
They verified my address physically
After IPV it got approved within 2 hrs

 

[Harvey_Dent]

Nope, idfc too physical verification for wealth. For entry level they might won't do. It completely false idfc don't do physical verification.

For me, they didn’t do any physical verification🙃 and yes I applied for wealth. Don’t know how can you claim my statement to be completely false.

 

[vaibhav111vaibhav111 is verified member.]

Issue with upgrading select to wealth is that they do not consider much about your salary and idfc saving account balance.. credit card team and saving account team work in silos... My salary is good and account balance was 15 lakh plus still they did not upgraded my select card to wealth... As they only upgrade if your idfc cc limit is 5 lakh .. i do have 6+ lakh on 3 other cards.. but still idfc rejected my upgrade

You can cancel and re apply within next day with different number and enter salary 3 lakhs and volia idfc wealth is your then. I have tried it and I have wealth with 10 lakhs limit

 

[vaibhav111vaibhav111 is verified member.]

For me, they didn’t do any physical verification🙃 and yes I applied for wealth. Don’t know how can you claim my statement to be completely false.

What I meant is you said idfc don't do physical verification just cause it didn't took place for you didn't mean it won't take place for other individuals. Got my point?

 

[vaibhav111vaibhav111 is verified member.]

I wrote an email to banker@idfcfirst
They just gave me a LE
Didn't upgrade it

LE from idfc isn't easy. You're already 1 step left. Either cancel the card and enter salary of 3 lakhs with new mobile no and gey wealth or try email idfc again.

 

[MOhit __]

LE from idfc isn't easy. You're already 1 step left. Either cancel the card and enter salary of 3 lakhs with new mobile no and gey wealth or try email idfc again.

Ate you sure this trick still works?

 

[Deleted member 11974]

y

With income docs ?

es

 

[Deleted member 11974]

wi

LE from idfc isn't easy. You're already 1 step left. Either cancel the card and enter salary of 3 lakhs with new mobile no and gey wealth or try email idfc again.

ll do this itself

 

[gamersgzb]

wi

ll do this itself

Do update after you try this.. thanx

 

[pprakash11]

Was there a cibil hit for manual LE ?

Also, what documents you gave ?

yes

 

[vaibhav111vaibhav111 is verified member.]

A

Ate you sure this trick still works?

actually it not a trick, in IDFC don’t considered existing trv when upgrading to higher card it their fault so applying as new cc and then works like I mentioned you need to have some premium card with limit above 5 to 7 lakhs and card age older the better. So now if it work till? For that you need to check for new post on this topic.

 

[gamersgzb]

The limit will not be increased if it has been increased in last 6 months... So we need to wait for 6 months after limit enhancement to try again...

 

[Deleted member 11974]

s

Was there a cibil hit for manual LE ?

Also, what documents you gave ?

alary slips of past 3 months
havent checked for cibil hit

 

[pprakash11]

s

alary slips of past 3 months
havent checked for cibil hit

What was your age of card?

Do update if you got a cibil hit or not, if checked.

 

[Deleted member 11974]

What was your age of card?

Do update if you got a cibil hit or not, if checked.

age is more than 1 year
will update on checking

 

[ltf4ever]

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

customer care has told me that the intl lounge access and spa are combined 4, and not 4+4.