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

 

[HumorSimpson]

Done. https://www.technofino.in/community...lth-credit-card-very-easily.15640/post-450976 - my error link. @SpiesCan'tCatchMe suggested to talk to them over twitter.

Except the address my application had all the details in dropdown i.e., my company name, cards that I have etc. still it went bonkers.

Even SBI has smooth process for credit cards and surprisingly I got their CB card (virtual) within 20 mins. Something is fishy with IDFC.

 

[HumorSimpson]

After tweeting to them, they gave a number to call. I explained the situation, the cust. care executive said she will expedite the process. After 10mins I got another SMS with some link to complete vkyc again. Authenticating my self it showed that my appln. is under process .

Your application is currently under review.
For more details, please reach out to customer support.


I guess the updating process and the backened is pathetic which doesn't reflect status correctly.

 

[HumorSimpson]

Got mail that my wealth card is approved.

 

[SSV]

Got mail that my wealth card is approved.

Congratulations.. if not for that technical glitch , you would have got it under 10 minutes.. Congrats anyway ..

BTW, I am surprised at the speed with which they had resolved your issue..

 

[HumorSimpson]

Congratulations.. if not for that technical glitch , you would have got it under 10 minutes.. Congrats anyway ..

BTW, I am surprised at the speed with which they had resolved your issue..

I received an SMS about the physical card dispatch. The time stamp shows label generated at about 3PM.

The timeline of events are as follows:
1PM - applied online. 1:30PM - vkyc done. 3PM the physical card dispatched too.

So there was no issue in the very first place . Seems their backend has issues in updation.

Thank god they didn't goof up in the card variant. I got WEALTH as desired.

Edit 5-1-24: update 1
1PM - applied online. 1:30PM - vkyc done - 6:30 pm virtual card updated
Physical card is yet to dispatch I mistook another courier sms.

Edit 5-1-24: update 2
I received the card from bluedart . didn't receive any specific sms from IDFC though.

 

[SSV]

I received an SMS about the physical card dispatch. The time stamp shows label generated at about 3PM.

The timeline of events are as follows:
1PM - applied online. 1:30PM - vkyc done. 3PM the physical card dispatched too.

So there was no issue in the very first place . Seems their backend has issues in updation.

Thank god they didn't goof up in the card variant. I got WEALTH as desired.

So, it seems there was no issue in the first place .. to fix it..
So, its like a storm in the tea cup !!

 

[runzone]

I received an SMS about the physical card dispatch. The time stamp shows label generated at about 3PM.

The timeline of events are as follows:
1PM - applied online. 1:30PM - vkyc done. 3PM the physical card dispatched too.

So there was no issue in the very first place . Seems their backend has issues in updation.

Thank god they didn't goof up in the card variant. I got WEALTH as desired.

Can you share your profile details?

Existing IDFC customer?

C2C card and limit?

Salary range?

City? (Aadhar address and current address same?)

 

[HumorSimpson]

Can you share your profile details?

Existing IDFC customer?

C2C card and limit?

Salary range?

City? (Aadhar address and current address same?)

IDFC customer - no
CIBIL Score ----- 790+
CIBIL age ------ 12 year +
c2c card ------ ace 1 year 8 month with limit 10 lakh +
salary ------- 36L+
City ----- bangalore
Address ---- aadhar and residence same

It didn't ask me to upload any salary docs. I guess my details matched with CIBIL. For some in this thread it asked for salary proof.

 

[vsharad]

Guys as my area is not serviceable for IDFC CREDIT CARDS, How do I get IDFC Cards as Preapproved based on IDFC A/C?( I don't have one but can open one if there's a higher probability of getting at least IDFC SELECT as preapproved) Someone is saying that if I create a basic 10k MAB a/c and maintain the balance + also credit at least 10k per month in this a/c via NEFT then I will most probably get a preapproved offer!

 

[Rajeevbro]

I asked for card upgrade few days back from select (2L CL) to wealth card. I mentioned having 27L salary and having apay ICICI credit card having 5.1L limit. Shared salary slips, statement of savings ac and statement of Apay CC.
They just increased my select limit from 2L to 3L and asked to me to try again after 3 months. 😅

 

[avikrish]

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

In Card to Card application, when I select icici, under card variant textbox , Amazon pay is not shown, how did you apply it ?

 

[Nishan11]

In Card to Card application, when I select icici, under card variant textbox , Amazon pay is not shown, how did you apply it ?

You can type manually if card variant is not on list.

 

[HumorSimpson]

In Card to Card application, when I select icici, under card variant textbox , Amazon pay is not shown, how did you apply it ?

Somewhere on this forum I read that ICICI Amazon pay isn't considered for wealth card.

 

[Nishan11]

Somewhere on this forum I read that ICICI Amazon pay isn't considered for wealth card.

It's considered for sure. Just need to have nearly 10L or more limit. But at times people didn't got wealth by using infinia too. So nothing is guaranteed.

 

[SpiesCan'tCatchMe]

Somewhere on this forum I read that ICICI Amazon pay isn't considered for wealth card.

I got wealth by using my apay with limit 5.1

 

[avikrish]

I got wealth by using my apay with limit 5.1

Ok thanks, you just manually written "ICICI AMAZON PAY" in the card variant text box ??

 

[avikrish]

You can type manually if card variant is not on list.

We just manually written "ICICI AMAZON PAY" in the card variant text box ??

 

[SpiesCan'tCatchMe]

Ok thanks, you just manually written "ICICI AMAZON PAY" in the card variant text box ??

Nope i tried a small trick and it worked like a charm

 

[varun__goel_]

We just manually written "ICICI AMAZON PAY" in the card variant text box ??

Select any other icici card. If you have good limit and is reported to cibil select any premium cc. There's no way they could find what cc you hold until you share statement😂

 

[Nishan11]

Select any other icici card. If you have good limit and is reported to cibil select any premium cc. There's no way they could find what cc you hold until you share statement😂

True, they can only see bank name, limit & age of card etc but not variant of card.