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]

Better option would be to have seperate section for these threads with minimum privilege level like buzz or select.

@TechnoFino what do you think on this ?

 

[SpiesCan'tCatchMe]

One more thread ruined with this DM mission. Why join a public forum if you're willing to help people only in DM.

Again my opinion and I don't mean to offend anyone. I was trying really hard since 1 year and finally managed to upgrade from select to wealth last month in an unconventional way, which I already shared and that helped atleast two people I know.

I am seeing this DM me for the 'trick' going on on a lot of threads and hence thought I should express my views. Happy dming to whoever is posting next.

I've seen many tricks gets patched even before I could try them and thus losing the benefits myself. And yes I agree there should be a provision of minimum TF level to be set but it's upto the admins

 

[Raaghul5]

Was the application approved?

Finally it was approved today. But with my mother's number as the primary number.

 

[SSV]

Finally it was approved today. But with my mother's number as the primary number.

Firstly, congratulations…
So it is still a mystery how you got call on your number…

 

[Raaghul5]

Firstly, congratulations…
So it is still a mystery how you got call on your number…

Yes and even more mysterious is that they have added my primary number in the alternate contact number on the application form that they have e-mailed after the approval.

 

[Anonymous ツ]

Yes and even more mysterious is that they have added my primary number in the alternate contact number on the application form that they have e-mailed after the approval.

I think they took your number from your Cibil report.

The same this just happened with me.
I applied for Wealth credit card using my mother's number and got a call on my personal number for verification. Though I added my personal number in alternate number while submitting the application.

 

[aayusharyan]

One more thread ruined with this DM mission. Why join a public forum if you're willing to help people only in DM.

Again my opinion and I don't mean to offend anyone. I was trying really hard since 1 year and finally managed to upgrade from select to wealth last month in an unconventional way, which I already shared and that helped atleast two people I know.

I am seeing this DM me for the 'trick' going on on a lot of threads and hence thought I should express my views. Happy dming to whoever is posting next.

Hey man, quick question. What was your approach for getting Wealth? I am stuck here with a CL of 4.5L and with that, they are not upgrading to Wealth. Any thread link (if already shared will be helpful).
Ofc I searched but was not able to find, so asking.

 

[Tosh]

Hey man, quick question. What was your approach for getting Wealth? I am stuck here with a CL of 4.5L and with that, they are not upgrading to Wealth. Any thread link (if already shared will be helpful).
Ofc I searched but was not able to find, so asking.

I asked PNO for upgrade without limit enhancement as an exception. They took it after rejecting once I had asked again to reconsider

 

[aayusharyan]

I asked PNO for upgrade without limit enhancement as an exception

What. Really. Can you share s/shot of that conversation please. It will be really helpful.

 

[Tosh]

What. Really. Can you share s/shot of that conversation please. It will be really helpful.

It was on a phone call. The mail was sent that they could not take the request and a guy from PNO desk called explaining the same. He then himself suggested there is this other way for relooking at the request. He took it himself and created a ticket in his own I guess and it went through in two days

 

[aayusharyan]

It was on a phone call. The mail was sent that they could not take the request and a guy from PNO desk called explaining the same. He then himself suggested there is this other way for relooking at the request. He took it himself and created a ticket in his own I guess and it went through in two days

Okay. I will try this approach. So, basically I will send an email to upgrade the card variant on an exception basis without doing an LE, right?

 

[kshitij_0]

Okay. I will try this approach. So, basically I will send an email to upgrade the card variant on an exception basis without doing an LE, right?

Please do let me know also once it goes through. I have just 3.27L limit though.

 

[aexploit]

I've seen many tricks gets patched even before I could try them and thus losing the benefits myself. And yes I agree there should be a provision of minimum TF level to be set but it's upto the admins

Can you please DM me the trick. Not able to see the DM button

 

[PRASHANTTHAKUR]

Minimum existing card limit for wealth upgrade?

 

[pprakash11]

Minimum existing card limit for wealth upgrade?

5 L .

 

[hs23]

I need help with this.
1st application: 09-11-2023, I got Select card offer, I enter my existing card limit 5.32L and salary <2L.
Since I wanted Wealth only, I got the application cancelled.

2nd application:16-11-2023, I got Millennia card offer, I enter my existing card limit 5.32L and salary >3L as suggested here.
Since I wanted Wealth only, I got the application cancelled and applied again with different phone no.

3rd application with new phone no: 16-11-2023, I got Millennia card offer, I enter my existing card limit 5.32L and salary >3L as suggested here.
Since I wanted Wealth only, I got the application cancelled.

I got 3 CIBIL hits for this and no wealth card. Fortunately IDFC as agreed to remove 2 CIBIL enquiries. They are asking me to wait 3 months before reapplying. I think the problem was that card was not reflecting in CIBIL but they are not confirming this from their side. Post 1st Dec, the card should reflect in CIBIL.

Is there is any way to reapply earlier then then 3 months by escalating to the nodal / MD team and providing a copy of updated CIBIL report?

I am not in a hurry to get this card but I dont like wasted CIBIL enquiry.

 

[ghost of sparta]

I can DM you the tricks

Can you dm me too? I’m getting only select

 

[chiggybansal1]

I need help with this.
1st application: 09-11-2023, I got Select card offer, I enter my existing card limit 5.32L and salary <2L.
Since I wanted Wealth only, I got the application cancelled.

2nd application:16-11-2023, I got Millennia card offer, I enter my existing card limit 5.32L and salary >3L as suggested here.
Since I wanted Wealth only, I got the application cancelled and applied again with different phone no.

3rd application with new phone no: 16-11-2023, I got Millennia card offer, I enter my existing card limit 5.32L and salary >3L as suggested here.
Since I wanted Wealth only, I got the application cancelled.

I got 3 CIBIL hits for this and no wealth card. Fortunately IDFC as agreed to remove 2 CIBIL enquiries. They are asking me to wait 3 months before reapplying. I think the problem was that card was not reflecting in CIBIL but they are not confirming this from their side. Post 1st Dec, the card should reflect in CIBIL.

Is there is any way to reapply earlier then then 3 months by escalating to the nodal / MD team and providing a copy of updated CIBIL report?

I am not in a hurry to get this card but I dont like wasted CIBIL enquiry.

can you elaborate the process how you get 2 cibil hit removed?

 

[hs23]

can you elaborate the process how you get 2 cibil hit removed?

Just wrote email to customer card to remove duplicate enquiries.

 

[sriteja]

Got IDFC wealth card easily with HDFC DCB. Application instantly approved after vKYC