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

 

[AlphaCAT]

you entered monthly salary of 3 Lakh?

already said . only 2lac per month !

 

[SpiesCan'tCatchMe]

Read all your comments was inspired, applied for idfc cc, salary entered 3 lacs. By mistake I entered my office address in current residential address and it showed wealth, when I tried doing vkyc it showed error.
Called cc he said start the application once again (fresh application).
Upon freshly applying and entering correct address it showed WOW 🙃

 

[AlphaCAT]

Read all your comments was inspired, applied for idfc cc, salary entered 3 lacs by mistake I entered my office address in current residential address and it showed wealth, when I tried doing vkyc it showed error.
Called cc he said start the application once again (fresh application).
Upon freshly applying and entering correct address it showed WOW 🙃

Bro u can apply as early as after 5 minutes . Just change your mobile no and start afresh !! I was earlier offered WOW , changed mobile no and got Wealth !

 

[SpiesCan'tCatchMe]

Bro u can apply as early as after 5 minutes . Just change your mobile no and start afresh !! I was earlier offered WOW , changed mobile no and got Wealth !

It will trigger a cibil hit?

 

[H2O]

It will trigger a cibil hit?

Yes.

 

[skywalker]

I got at even 2 lacs per month . 792 CIBIL and 4.2 existing Apay limit . Idk what really worked ? But I guess 2l/m will suffice !

@AlphaCAT when was your last CIBIL enquiry before IDFC application? I applied for SCB CC on 29th July but it didn’t get approved, so I’m wondering if I should still apply for Wealth CC or should I wait.

 

[SpiesCan'tCatchMe]

After video kyc how many days does it take normally for approval🥹

 

[AlphaCAT]

@AlphaCAT when was your last CIBIL enquiry before IDFC application? I applied for SCB CC on 29th July but it didn’t get approved, so I’m wondering if I should still apply for Wealth CC or should I wait.

I have 16 CIBIL inquiries in 6 months . Last one was on 18/08 and I applied for Wealth on 20/08 . Both were by IDFC only . With my primary mobile no they were giving Wow card but with my mom's no , it was showing Wealth . Weird though , I have long banking relationship with IDFC and my mom had none . I guess IDFC also prefers NTB customers.

 

[AlphaCAT]

After video kyc how many days does it take normally for approval🥹

Address and tele verification the next day . Credit review the next day . Approval the next day . 3 days is average . Some have got within a day too , for some within hours !! IDFC is weird and haywired that way !!

 

[Vaastav]

They can't tell which card variant of ICICI u hold . They just see the highest limit of your card in CIBIL from ICICI. Select Sapphire from the dropdown list and enter Apay limit . It will show you IDFC Wealth . Mine Apay limit was 4.2l and it showed me Wealth of 5l limit . My office verification wasn't successful still they approved my card . IDFC is weird !!

Followed your steps and Put Sapphiro Card in Place of Apay and it Also showed me Wealth CC with 5L Limit. Instantly Did VKYC. What are my chances of approval??

 

[AlphaCAT]

Followed your steps and Put Sapphiro Card in Place of Apay and it Also showed me Wealth CC with 5L Limit. Instantly Did VKYC. What are my chances of approval??

If office verification goes through , they will call u to confirm your name and mother's name like basic details . After that approval within a day or two . In around 40% of cases , they don't do any kind of verification .. Have patience, it usually takes 3 days on average . Fingers crossed bro !

 

[0xpratyush]

Update :- today current address verification done at 3 pm and by 5 card got approved. idfc select cc approved with 1.5L limit 🥳 though 5L limit wala card tha apne pas amazon pay, still pata ni kyun wealth show hi nai hua 🥲🥲 abhi kuch na hone se achha kuch mil rha soch k le lia , ab dekhta hu 1 2 try karunga cc statement through upgrade ki baki hua to sahi ni hua to koi bat ni isse kaam chal jaega mostly 😅

 

[KLB@96]

Update :- today current address verification done at 3 pm and by 5 card got approved. idfc select cc approved with 1.5L limit 🥳 though 5L limit wala card tha apne pas amazon pay, still pata ni kyun wealth show hi nai hua 🥲🥲 abhi kuch na hone se achha kuch mil rha soch k le lia , ab dekhta hu 1 2 try karunga cc statement through upgrade ki baki hua to sahi ni hua to koi bat ni isse kaam chal jaega mostly 😅

After enetring your amazon card it showed only select card ?

 

[0xpratyush]

After enetring your amazon card it showed only select card ?

Yes don't know why

 

[KLB@96]

Yes don't know why

It says to schedule video kyc , link will be shared but i did not receive any link . should i wait ?

 

[SpiesCan'tCatchMe]

Update :- today current address verification done at 3 pm and by 5 card got approved. idfc select cc approved with 1.5L limit 🥳 though 5L limit wala card tha apne pas amazon pay, still pata ni kyun wealth show hi nai hua 🥲🥲 abhi kuch na hone se achha kuch mil rha soch k le lia , ab dekhta hu 1 2 try karunga cc statement through upgrade ki baki hua to sahi ni hua to koi bat ni isse kaam chal jaega mostly 😅

Before verification, they let you know that they are coming for verification right?
Over call or WhatsApp 😅

 

[deep@vie]

Update :- today current address verification done at 3 pm and by 5 card got approved. idfc select cc approved with 1.5L limit 🥳 though 5L limit wala card tha apne pas amazon pay, still pata ni kyun wealth show hi nai hua 🥲🥲 abhi kuch na hone se achha kuch mil rha soch k le lia , ab dekhta hu 1 2 try karunga cc statement through upgrade ki baki hua to sahi ni hua to koi bat ni isse kaam chal jaega mostly 😅

They ask for ITR/payslips only that too after 6months

 

[deep@vie]

@AlphaCAT when was your last CIBIL enquiry before IDFC application? I applied for SCB CC on 29th July but it didn’t get approved, so I’m wondering if I should still apply for Wealth CC or should I wait.

Enquiries play a vital role in case of SCB not much in case of IDFC.

 

[neo.puneet]

For people who got wealth, did you select the company from that dropdown? or you entered manually?

 

[deep@vie]

Upgrades are very difficult

Can be upgraded once limit reaches 5l