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

 

[deep@vie]

Home verification happened and there was no one at the home address, I made him speak with the security but it seems he is not happy with that. My application is going to be rejected 😭

E-mail to customer care to initiate it

 

[skywalker]

Even with my registered mobile no , there was no vKYC as I already hold 25k MAB account with them !

you didn't have any pre-approved offer using your registered mobile number?

 

[deep@vie]

Even with my registered mobile no , there was no vKYC as I already hold 25k MAB account with them !

Why would they do vkyc when they already have your kyc with them.

 

[AlphaCAT]

Why would they do vkyc when they already have your kyc with them.

HDFC does that . Even though I am an account holder , for all the 3 credit cards HDFC conducted vKYC .

 

[AlphaCAT]

you didn't have any pre-approved offer using your registered mobile number?

Nope

 

[vaibhav111vaibhav111 is verified member.]

Even with my registered mobile no , there was no vKYC as I already hold 25k MAB account with them !

yeah that what i said.

 

[KLB@96]

yeah that what i said.

I have account with IDFC used my registered num for CC but still asked me to do KYC which I did a while ago.

 

[vaibhav111vaibhav111 is verified member.]

I have account with IDFC used my registered num for CC but still asked me to do KYC which I did a while ago.

for amex as i remember they don't VKYC if applied under 3 month or under XYZ months so my point is when was IDFC account was opened and when did you applied for these IDFC card. each bank follow some pattern and it hard to keep up with their changes.

 

[KLB@96]

Finally got the approval message. IDFC is very fast no physical verification. Applied wealth online yesterday did KYC today morning and got approved this afternoon. Very quick service from IDFC.

 

[Vaastav]

Finally got the approval message. IDFC is very fast no physical verification. Applied wealth online yesterday did KYC today morning and got approved this afternoon. Very quick service from IDFC.

Whether any Phone Verification was done??

 

[KLB@96]

Whether any Phone Verification was done??

nope just vkyc and after few hours got approval msg

 

[skywalker]

Nope

I was getting a pre-approved offer for Select CC due to my account with them, had to proceed with another number because of that pre-approved offer.

 

[Pavancs]

Generally how many days it takes for IDFC cc for the first time? Mine, physical verification happened in 1 day but it is stuck in credit review for 5 days now. Any way to make it fast?

 

[palen]

I tried applying online but see this message, their email support is unresponsive as usual.

 

[KLB@96]

I tried applying online but see this message, their email support is unresponsive as usual.

I tried applying online but see this message, their email support is unresponsive as usual.

Contact them on twitter they will help b

 

[KLB@96]

Generally how many days it takes for IDFC cc for the first time? Mine, physical verification happened in 1 day but it is stuck in credit review for 5 days now. Any way to make it fast?

check my reply I got my card approved and shows in app in less than 24 hours

 

[KLB@96]

I was getting a pre-approved offer for Select CC due to my account with them, had to proceed with another number because of that pre-approved offer.

Why not take select not much difference in select and wealth.

 

[skywalker]

Why not take select not much difference in select and wealth.

Well there is some significant difference AFAIK

 

[SpiesCan'tCatchMe]

Generally how many days it takes for IDFC cc for the first time? Mine, physical verification happened in 1 day but it is stuck in credit review for 5 days now. Any way to make it fast?

Any update?

 

[bengaltiger]

Is it possible to apply for wealth card if holding millenia card or upgrade?

Existing other card with good credit limit.