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

 

[aayusharyan]

Pvt banks only😞

Ohhh, okay. DM me your contact number, I share with my friends then.

 

[DealHunter786]

for IDFC wealth card upgrade, I was informed today that credit limit has to be 5L. By sending an email to PNO, I got my limit enhanced to 4L from 1.81L but was denied for the upgrade.

 

[kshitij_0]

for IDFC wealth card upgrade, I was informed today that credit limit has to be 5L. By sending an email to PNO, I got my limit enhanced to 4L from 1.81L but was denied for the upgrade.

Did you send some documents for LE?

 

[gamersgzb]

Did you send some documents for LE?

I had sent salary slips and Bank statement last week and got the limit increase and upgrade

 

[DealHunter786]

Did you send some documents for LE?

Yes, shared salary slips and account statement.

 

[panthr]

Credit card sales. Not from bank

I'd be interested. Please dm

 

[Tosh]

Finally got my select upgraded to wealth after many requests over time (probably 3 in last one year)

First select relationship
Salary criteria not met
Nrv less than 30k (have salary account so don't keep funds there)
Credit Limit on select - 4.5L
Spends in last one year - 350 (one Paytm BOGO ticket)

I raised a request but was denied stating I don't have CL of 5L. So they asked for bank docs which I shared but the limit increase was denied too.

I asked to reconsider and make an exception of upgrade without LE since my limit was very close to floor limit for wealth and it worked.

 

[DealHunter786]

Finally got my select upgraded to wealth after many requests over time (probably 3 in last one year)

First select relationship
Salary criteria not met
Nrv less than 30k (have salary account so don't keep funds there)
Credit Limit on select - 4.5L
Spends in last one year - 350 (one Paytm BOGO ticket)

I raised a request but was denied stating I don't have CL of 5L. So they asked for bank docs which I shared but the limit increase was denied too.

I asked to reconsider and make an exception of upgrade without LE since my limit was very close to floor limit for wealth and it worked.

How many days after the rejection email, did you send the reconsideration email?

 

[Tosh]

There was no mail of rejection, someone from pno desk called and inform LE+upgrade cannot happen and he himself presented the second option saying we can try this but it's not a guarantee. I just gave me hi ahead. (There was no cibil hit)

 

[DealHunter786]

There was no mail of rejection, someone from pno desk called and inform LE+upgrade cannot happen and he himself presented the second option saying we can try this but it's not a guarantee. I just gave me hi ahead. (There was no cibil hit)

Was it Mr.Juned? I got my limit increased to 4L from 1.81L. But they said with 4L, the upgrade isn't possible and asked to wait until the limit is enhanced further

 

[aayusharyan]

So, Wealth has a floor of 5L. Daamn, I have requested IDFC to do an LE. Let's see where they land me. I have shared bank statement and salary slips with them. My net take home is 1.85. Current CL is 2.87.
What do you folks think, will I be able to make it to next level? Anyone with similar experience, please share. No other relation with the bank.

 

[gamersgzb]

So, Wealth has a floor of 5L. Daamn, I have requested IDFC to do an LE. Let's see where they land me. I have shared bank statement and salary slips with them. My net take home is 1.85. Current CL is 2.87.
What do you folks think, will I be able to make it to next level? Anyone with similar experience, please share. No other relation with the bank.

PNO team should increase the limit and provide the card ... Do not expect anything from bankers team

 

[aayusharyan]

PNO team should increase the limit and provide the card ... Do not expect anything from bankers team

Tough luck for me. I have been communicating with the Bankers team only. 🥲

 

[aayusharyan]

Tough luck for me. I have been communicating with the Bankers team only. 🥲

Sad news.
Just now got message for LE. It's 2.87 -> 4.5L. I don't think I am getting Wealth CC.

 

[Tosh]

I was also given same enhancement 3.6->4.5 you can ask for upgrade without LE if in case they are not giving you wealth

 

[aayusharyan]

I was also given same enhancement 3.6->4.5 you can ask for upgrade without LE if in case they are not giving you wealth

I was typing that email only, but then I realised, my address in the account is not updated. I need to first send OVD and update that (on their website it says actually to visit branch and update), otherwise if they send new card, I will not be able to receive it. So, in a way, I got lucky. 😎

 

[aayusharyan]

I was also given same enhancement 3.6->4.5 you can ask for upgrade without LE if in case they are not giving you wealth

Is 4.5L Ceil for Select variants?

 

[DealHunter786]

I was typing that email only, but then I realised, my address in the account is not updated. I need to first send OVD and update that (on their website it says actually to visit branch and update), otherwise if they send new card, I will not be able to receive it. So, in a way, I got lucky. 😎

If you want to update your address to that in Aadhaar, you can do that easily on the IDFC mobile app. I have done that recently.

 

[aayusharyan]

If you want to update your address to that in Aadhaar, you can do that easily on the IDFC mobile app. I have done that recently.

HOW? HOW? Please tell me. I want to do that.

But wait, maybe you have Savings account. I only have this CC in relation with IDFC First.

 

[DealHunter786]

HOW? HOW? Please tell me. I want to do that.

But wait, maybe you have Savings account. I only have this CC in relation with IDFC First.

Ok yeah I have savings account. but you can still give it a try. Click on the Hamburger icon on the top left and then "manage profile"