Above 5L, Salary more than 3-3.5L per month input, Metro Pincode and some luck with IDFC algorithm.
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HDFC credit card upgrade and limit enhancement
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IDFC denied me for C2C upgrade as well as limit enhancement. I am having IDFC select card with 4.4 Lakhs limit. Still they neither increased limit not upgraded it to wealth
Deleted member 27665
TF Premier
My friend entered just Rs 1 lakh salary per month and C2C Axis credit card with limit 2.5 lacs and he was offered Wealth credit card with 5.5 lacs limit. His location is Mumbai. Axis credit card was his highest limit reported in CIBIL before getiing IDFC Wealth credit card. His CIBIL score is 773. He was just looking for a basic IDFC credit card but fortune favors the brave.
Verification?? Which ones
Deleted member 27665
TF Premier
Only home verification.
last point I mentioned is luck with Algorithm of IDFC.
I have entered 8L HDFC Infinia and 3.5L Salary even got select. So depends on IDFC algorithm and Pincode mainly.
If you really want IDFC wealth only and ready to lose Select try to close Select and apply using another mobile number and try getting wealth but luck matters the most, many users of TF community got it that way.
Desu Sarath
TF Premier
I tried in the same way, they told that I have the best limit for my neu infinity ( 1.5lakh)
I have cards with 15+ also. HDFC behaves strange 🤣
Shubham Yadav
TF Prestige
I think pincode really matter
Yes, pincode matters a lot here. Many a times I have observed and expressed on the same.
lightwaves
TF Premier
If you have decent spending, you’ll get automatic LE offer. Otherwise it’s difficult.
HDFC is unpredictable that way. --- I've got multiple substantial LEs for my virtually unused card!
lightwaves
TF Premier
That’s strange. I’ve got LE while I was spending average. Recently I’ve stopped spending on that card and there’s no LE offer. When I reached out to my RM, he said the spending is very less.
RMs are trained to deflect queries by saying whatever (with full confidence that they would never be found out)!
I believe there are various parameters involved in deciding on LEs for each individual customer. We, as customers, are not privy to those details. I suspect most RMs are also quite clueless themselves, but, for obvious reasons, couldn't possibly appear to be so!
.
lightwaves
TF Premier
Totally agree on this part 🤣😂
For idfc. Yes
I have a query .
Does idfc do verification even when u get ore approved offer in idfc
lightwaves
TF Premier
I have observed that, every time I have a query regarding the CC, my RM reaches out to another team. And in most cases they happen to have the correct/most updated information. I guess when I asked him regarding the LE, may be he just said what he knew/thought he knew without talking to other team 😉
No I guess.
Better go with amex c2c for wealth with income crossing the eligibility criteria obviously 🥸
HDFC LE appears to be the hardest to get. I got LE back in 2022 after multiple RM and RM manager escalations, to push my DCB into Infinia.
The next LE happened after 6 months of followups + document sharing, in Jun 2023 (~16% increase). No LE after that despite multiple requests and RM push.
Most of my spends in the last few months have been on HDFC Infinia - 12 months usage is > 12L, 6 months usage is > 9L.
I also have Marriott Bonvoy and Tata Neu Infinity (plus gained and closed the Swiggy HDFC card after a month of having it). Does having Co-branded cards an issue with HDFC for LE? (though the last LE @ 16% came in 4 months after I got the Tata Neu card).
Any experience? Does pushing through BM work for HDFC LE?
The next LE happened after 6 months of followups + document sharing, in Jun 2023 (~16% increase). No LE after that despite multiple requests and RM push.
Most of my spends in the last few months have been on HDFC Infinia - 12 months usage is > 12L, 6 months usage is > 9L.
I also have Marriott Bonvoy and Tata Neu Infinity (plus gained and closed the Swiggy HDFC card after a month of having it). Does having Co-branded cards an issue with HDFC for LE? (though the last LE @ 16% came in 4 months after I got the Tata Neu card).
Any experience? Does pushing through BM work for HDFC LE?
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