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

 

[Jhon Anand]

Too early.. need to wait for sometime

Ohh, rough idea ? 1 year history?

 

[SSV]

Ohh, rough idea ? 1 year history?

That is minimum..

 

[SSV]

Ohh, rough idea ? 1 year history?

Try to get Amex card if you are eligible

 

[Jhon Anand]

Try to get Amex card if you are eligible

I think I can go for Amex MRCC. How long is the application process? I will be in Hyderabad for 3 weeks in dec and then go out of hyd till January end and then come back. Should I apply in dec or in Jan end ?

Also MRCC rewards on rent, right ?

Is it accepted on Income tax website? I remember earlier amex wasn't.

Also after referal will the fee still be 1500+GST in 3rd and 4th year for MRCC?

 

[SSV]

I think I can go for Amex MRCC. How long is the application process? I will be in Hyderabad for 3 weeks in dec and then go out of hyd till January end and then come back. Should I apply in dec or in Jan end ?

Also MRCC rewards on rent, right ?

Is it accepted on Income tax website? I remember earlier amex wasn't.

If everything is in place it only takes 3 to 4 days to receive the physical card..
Are you from Hyderabad?

 

[Jhon Anand]

If everything is in place it only takes 3 to 4 days to receive the physical card..
Are you from Hyderabad?

Yes, I live in Hyderabad.

Just checked that amex referal offer has changed now I ain't seeing the FYF and second year discounted fees. 😢😢

Do you think they'll bring it back ?

Also rent and income tax included
in points earning?

 

[SSV]

Yes, I live in Hyderabad.

Just checked that amex referal offer has changed now I ain't seeing the FYF and second year discounted fees. 😢😢

Do you think they'll bring it back ?

Also rent and income tax included
in points earning?

Don’t worry referral is still on. Click on my referral link and check and see property

 

[Jhon Anand]

Don’t worry referral is still on. Click on my referral link and check and see property

Can you share yours ?
I think this is expired now : https://livefromalounge.com/amex-referral-india-festive-offer-playing-cards/

It gave discounted first year and renewal offer.

 

[SSV]

Yes, I live in Hyderabad.

Just checked that amex referal offer has changed now I ain't seeing the FYF and second year discounted fees. 😢😢

Do you think they'll bring it back ?

Also rent and income tax included
in points earning?

Rent is definitely included, Income Tax may be / may not be

 

[SSV]

Can you share yours ?
I think this is expired now : https://livefromalounge.com/amex-referral-india-festive-offer-playing-cards/

It gave discounted first year and renewal offer.

https://americanexpress.com/en-in/referral/sREEsWcAV?XLINK=MYCP

. .

 

[SSV]

Can you share yours ?
I think this is expired now : https://livefromalounge.com/amex-referral-india-festive-offer-playing-cards/

It gave discounted first year and renewal offer.

I can guide you thru the entire process. DM me for complete details

 

[Manohar]

I tried with two different numbers and got WOW card both times
1) 3 year old AmznPay CC with 4.9L limit, kept salary more than 1L
2) 6 months old Indusind Legend with 4.7L limit, kept salary more than 2L

 

[Raaghul5]

I applied for wealth and but was offered select. So rejected the application. Consequently, I was not able to apply again ( sorry, try again later error).

After reading about the alternate number trick, I applied with Mother's number. However to my shock, I got call in my primary number for application verification and not on my mother's number. I was shocked.

I'm wondering how they got access to my primary number though I have not mentioned in the application? Would it have been because I applied with my primary number in my old application?

P.s: I don't have any prior relationship with idfc

 

[AllThatStuff]

I already have IDFC Select card (limit 3L). Can I get Wealth card ?
I have HDFC Regalia (limit 6L+) & Apay (limit 5L)....both more than 1 year old!!

 

[SSV]

I applied for wealth and but was offered select. So rejected the application. Consequently, I was not able to apply again ( sorry, try again later error).

After reading about the alternate number trick, I applied with Mother's number. However to my shock, I got call in my primary number for application verification and not on my mother's number. I was shocked.

I'm wondering how they got access to my primary number though I have not mentioned in the application? Would it have been because I applied with my primary number in my old application?

P.s: I don't have any prior relationship with idfc

Was the application approved?

 

[gamersgzb]

I already have IDFC Select card (limit 3L). Can I get Wealth card ?
I have HDFC Regalia (limit 6L+) & Apay (limit 5L)....both more than 1 year old!!

Try sending mail to PNO and they will ask for salary slip and statement of salary account then they will take decision accordingly

 

[SSV]

I already have IDFC Select card (limit 3L). Can I get Wealth card ?

It seems they play hard game for upgrade with their existing customer..
Try to increase the CL first to 5L.. then you can think about Wealth CC

 

[AllThatStuff]

Try sending mail to PNO and they will ask for salary slip and statement of salary account then they will take decision accordingly

Any criteria of minimum salary to upgrade to Wealth?

 

[gamersgzb]

Any criteria of minimum salary to upgrade to Wealth?

No idea about that.. it's all luck..

 

[SSV]

Any criteria of minimum salary to upgrade to Wealth?

According to their website 36L pa.