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

 

[Batman]

I guess the aadhar address same may have done the trick. My aadhar address is different, the bank may try to do in person verification.

 

[Deleted member 21942]

I guess the aadhar address same may have done the trick. My aadhar address is different, the bank may try to do in person verification.

Same in my case too. So didn't got instant approval.

 

[SSV]

Whaaaat. I applied on 29th. Still under verification stage.

Does IDFC hate me, or love you in particular?

Time to change yourself to Superman and see the magic !!! 😉

May be they don't like bats ..

 

[Deleted member 21942]

I guess the aadhar address same may have done the trick. My aadhar address is different, the bank may try to do in person verification.

Which IDFC credit card have you applied for?

 

[Batman]

Which IDFC credit card have you applied for?

The same - Wealth. Got some nice limit as well. But waiting for approvals.

 

[Anonymous ツ]

The same - Wealth. Got some nice limit as well. But waiting for approvals.

I applied on 26th and still showing application verification

 

[Deleted member 21942]

I applied on 26th and still showing application verification

Is your current address and aadhaar address same or your current address is Anonymous?

 

[Anonymous ツ]

Is your current address and aadhaar address same or your current address is Anonymous?

Both are actually same but In application its not same

 

[Deleted member 21942]

Both are actually same but In application its not same

So your Aadhar address is in unserviceable pincode and you have given someone's serviceable pincode as your current address?

 

[Anonymous ツ]

So your Aadhar address is in unserviceable pincode and you have given someone's serviceable pincode as your current address?

My aadhar address is serviceable but it is a non metro city so basically i live in a non metro city and work in a metro city.. so it was always showing me wow card.. so i just swapped the addresses. but now the application is stuck at Application verification stage from last 1 week

 

[Deleted member 21942]

My aadhar address is serviceable but it is a non metro city so basically i live in a non metro city and work in a metro city.. so it was always showing me wow card.. so i just swapped the addresses. but now the application is stuck at Application verification stage from last 1 week

Could you please share your cc application tracking page and hiding your application number?

 

[Anonymous ツ]

Could you please share your cc application tracking page and hiding your application number?

Looks like it will be rejected 🥲

 

[Batman]

Looks like it will be rejected 🥲

Don't say that. I remain hopeful too.

 

[SSV]

Don't say that. I remain hopeful too.

Please check your DM

 

[Quantum]

Looks like it will be rejected 🥲

Can't definitely say that as IDFC CC application can be stuck at verification stage for 2-3 weeks as well.
I think your address will involve physical verification and that takes some time in IDFC usually.

 

[Quantum]

Can't definitely say that as IDFC CC application can be stuck at verification stage for 2-3 weeks as well.
I think your address will involve physical verification and that takes some time in IDFC usually.

In my case, I started the application process on 8 Sep, and the physical verification happened on 25 Sep. The application was approved on the same evening.

They first tried to verify my office address, but since I was working from home, I told them to verify home address. This might have added some delay. Max retry count for physical verification is 3.

Aadhaar address and current residence address are same i.e. Bengaluru.

 

[Deleted member 21942]

 

[devsfinance]

First time I applied with my 5 year old coral with 6.4L they gave some crap card.. so I changed my strategy and gave my 2.31 Amex it worked…

NTB is key here.. are you NTB?
DM me details I can advise

Just read this, If I had read this earlier wouldn't have opened Future First account :'( only getting message for WOW card right now(FD based), currently waiting to get LE in Sapphiro to get more than 5L limit so that can apply for wealth card later but missed my NTB status so not sure what will happen.

 

[SSV]

Just read this, If I had read this earlier wouldn't have opened Future First account :'( only getting message for WOW card right now(FD based), currently waiting to get LE in Sapphiro to get more than 5L limit so that can apply for wealth card later but missed my NTB status so not sure what will happen.

Yes.. we need to research well before for each Card we apply for.. This is must..
Then we need to layout the strategy and plan to implement strategy..
All this , to achieve what we want to as some deeds ,we can't erase fromt he history..
This fourm is greatly helpful in achieving this.. Hence I share all my experiences and knowledge on almost realtime basis to benefit others..
Strongly recommend to search this forum before taking any action..
Best wishes for everyone ..

 

[Batman]

I googled but couldn't find. What is NTB status for IDFC?