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IDFC Bank Wealth Programme

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Sevendar@01

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Hi there is anyone using IDFC select, wealth or private account.
1) What account variant are you using
2)What was the initial cheque required to open this account
3)What is the AMB and non maintenance charges or do u just need to fund the initial amount and the account becomes zero balance?
4)Did you got select, wealth, private credit card without income docs?
5)Did you have a existing relation with bank and got upgrade to wealth programme
Anyone having nay contact of IDFC Bank kolkata people then please share it and if anyone is using this account share the whole procedure to get this account specifically select account.
 
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visvin said:
1) Wealth variant. For pvt they are asking 25L MF relationship.
2) 5L, but got opened when they were running an offer to make all account wealth variant with 5L cheque and can keep 25K mab going forward.
3) Keeping 25K mab in primary account. They have not been able link my family account in family grouping since last 6mth and their issue resolution process looks like is non existent! But have not faced any other issue except family grouping.
4) Was being offered select without docs and wealth card with docs. So I declined both at the moment.
5) No, new relationship for me but my dad and spouse had accounts.
6) Pls DM me and I'll share their details for Kol. But do note, like all other banks RM, they too are only interested in selling you stuff you don't need like ULIP or MFs. So do not fall for that.
Their app is by far the best banking app i have used.
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Just to get Wealth CC, I am quite sure you don't need any savings account with them.

I got mine without having a savings account with them.
 
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One thing which worked for me was I was maintaining high balance 10L+ with them for a couple months and had been talking to my RM as well for the upgrade. But nothing worked. Then one day I popped up in the branch and the RM said that we should meet the BM. After meeting with them(and showing them my passbook, which I didn't like), I was told that I'm clearly meeting the criteria and I was told to wait a few months and within a month or so, I was not only upgraded to wealth banking but was also offered wealth CC which I wanted as well.

So I'd suggest anyone who's looking to get into it to maintain good communication with RM and if needed, meet with the BM of the respective branch. And then I guess wait for a bit and not be hasty.
 
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sivan said:
Hey can you please DM your RMs number. I've opened an account in IDFC and transferred 10 lacs but the person in the branch is not clear on how to upgrade to Wealth.

Also will you get a Wealth CC on upgrading to Wealth account automatically
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How long has is been since you transferred 10L. It usually takes 2-3 months for AMB calculation and IDFC Bank system will show the option to IDFC employees if it's eligible. From there, it's just a few clicks for them to upgrade. RM's can also do this over phone

Wealth CC simply by upgrading to Wealth account may not always be possible.
I know family members who got Wealth CC without any accounts and there's one person with Wealth account but got only Select CC at the best option because they are not working currently & don't hold any other CC.
Person who got Wealth CC on the other hand has multiple CC with limits of over 10L
 
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mad.technomaniac said:
How long has is been since you transferred 10L. It usually takes 2-3 months for AMB calculation and IDFC Bank system will show the option to IDFC employees if it's eligible. From there, it's just a few clicks for them to upgrade. RM's can also do this over phone

Wealth CC simply by upgrading to Wealth account may not always be possible.
I know family members who got Wealth CC without any accounts and there's one person with Wealth account but got only Select CC at the best option because they are not working currently & don't hold any other CC.
Person who got Wealth CC on the other hand has multiple CC with limits of over 10L
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Ok. It is slightly less than a month now. Will wait for 3 months before asking them to check again. I already have a HDFC card with 10L plus limit so hoping they'll give Wealth CC on C2C basis. I had opened the savings account separately as anyhow I wanted to have that.
 
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sivan said:
Ok. It is slightly less than a month now. Will wait for 3 months before asking them to check again. I already have a HDFC card with 10L plus limit so hoping they'll give Wealth CC on C2C basis. I had opened the savings account separately as anyhow I wanted to have that.
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Simply try to apply for a credit card from IDFC site and check if you are able to get Wealth CC. Otherwise wait for some more time.
P.S: CIBIL check will happen when you try to apply for CC though IDFC site or otherwise in my personal experience
 
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Shash said:
Asking beforehand always works. I asked the RM to convert my account to wealth with wealth credit card and after taking approval from branch manager it was done within few weeks.
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Can you elaborate on this ? I hold a wealth credit card, does this mean my existing idfc account would be converted to wealth with no mab requirements ?
 
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xxScriptzxx said:
Can you elaborate on this ? I hold a wealth credit card, does this mean my existing idfc account would be converted to wealth with no mab requirements ?
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No. Not as far as I know.
Wealth account requires 10L maintained at least for 2-3 months and then it stays in that category even if you withdraw the money, at least for now. Only requirement IDFC has is 25k minimum even for Wealth account once the conversion is done.

There are people with Wealth CC for almost a year but account is still in Select varient
 
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sivan said:
Is there a option for C2C when applying directly in their website. Has anyone gotten Wealth CC on directly applying in website. With only Cibil, they're offering First Select variant only to most people. Will try doing that anyhow
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Yes. People did get C2C option when applying for IDFC CC.
I haven't tried this personally but think there are a few discussions in this very forum about it
 
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