Similar to mine, my Millennia Card was closed in May, and after waiting for 3 months, I still not able to apply online.
It always says, "Sorry, we can't proceed. I tried offline via agent as well, but he was not able to apply as customer care always says they have some algorithm that will unblock me after some time; till then, I have to wait; nothing can be done. I had the same issue earlier;
I had the Millenia card with a limit of Rs. 55,000 nine months ago, after many requests to customer support to increase the limit or upgrade to Millenia. All my requests were denied; half of my life girls rejected me for different reasons, and now it was IDFC. So after so much confusion, I decided to close my Millenia card. I was a bit nervous about my closer, but somewhere on YouTube or any blog, someone wrote about the same issue and said that he was also facing the same issue. And later on, he got the card. I also started following the same path, and after three months of closer scrutiny, I started applying from new numbers, but even this time, after video KYC, applications kept being rejected (almost three times). After that, I tried again to apply from my original number, and I was getting an error like Sorry, no offers available right now."
I raised a complaint on Twitter with the DM of IDFC, and after 2 days, I got a call back from them, and they were like, Sir, we can't do anything here. If there is any offer, it will automatically show when you apply, or you will get a message. After that, I opened an IDFC saving account of 25k MAb, and after 3 months of account opening, I tried again to apply and got the same issue: no offers available. This time, I mailed IDFC, saying I needed an IDFC Vistara card, and this time they were like, We have taken your request for a Vistara card and we will be back in 3 days. Again, after 3 days, I tried to apply, and I got Millenia with a 1 Lac limit. I was again disappointed because I got the same card I closed with a double limit. I didn't apply, and after 1 month I was just checking to see what was showing.
Now it's asking me all the details again, like name, address, mobile number, occupation, and all, and I've been given a salary above 3 lacks, and I have seen IDFC Wealth now. I was very happy seeing this, but I was afraid if I do video KYC and they decline, all my happiness will be washed away. I applied, and the video KYC was done on the 12th of August (the same day I applied for the card), and on the 14th of August, one person came to my home for physical verification and asked for some basic details like my name, how old I am living at this place, and all, and went away. Within 2 hours, I got the message Congratulation, your card has been approved.
One thing I was very lucky about was that they didn't do office verification. I am just in doubt that if they would have done office verification, they may have rejected my card because I am just a supervisor there, and a supervisor's salary doesn't fall above 3 lakh. and after 2 days, they called me and said that I could apply now. and my new wealth card was approved two days ago.
