IDFC First Wealth easily approved

[avis_]

I am NTB customer with IDFC. I had some relationship in the past with IDFC via Flipkart Paylater which I had closed last year.

Hi Guys,

I will share my successs story of how I got approved for Wealth Credit Card from IDFC bank.

I recieved a call from sales team that I was eligible for IDFC LTF credit card. I clearly told them I am not gonna apply unless I get wealth card. She told she can apply Wealth for me and it will approve for sure.

I trusted her and followed her steps and boom the card was approved on second day and virtual card has arrived.

My monthly avg salary is ~60k and CIBIL hovers between 770 and 780


If anyone wants to apply ensure your work location and current residence is at same City. I can share the agent contact who helped me to apply.

For agent contact check message number #42

I have recieved my physical card in just 2 days check message #43

Edit 1

Update by user @_amit_
WFH so not possible for me.
In her knowledge, WFH with company address (or any company branch) not in same city usually gets rejected later on.

 

[hks789]

Not so lucky perhaps!!
Had Select card (3L limit)
Closed it and re-applied with new no.
Entered salary >3L and existing card as HDFC Regalia (6.73L limit)

Was offered Select card again with reduced limit of 2L!! 😐😑😞

Try again after few weeks. I have had same experience. I got wealth after 1 month

 

[curios_mind_huh]

Thanks. So it's 4 of everything. They don't make it clear anywhere.

I used up a Domestic Lounge Access this quarter with IDFC Wealth. It shows me 3/4 remaining in ALL of my Domestic/International/Spa section except Railway lounges

 

[Swastik]

Well the email route for c2c upgradation failed

"With reference to the below-mentioned email, we regret to inform you that currently, as per the limit assigned to your card, we are unable to upgrade your card. In order to upgrade your card, we will need to increase your credit limit, after which we can check if your card is eligible for an upgrade.

Further, we acknowledge the documents that you have shared with us. Hence, we request that you provide us with the latest 3 months bank statement stating Salary Credit with IFSC code and other details reflecting in PDF format"

Now ,will cancel Select and re apply with another number

 

[Swastik]

Thought I'm a bit scared ,what if i get offered Select again ,even worse with lower limit ,

Should i just hold onto Select and wait for Credit Limit to increase organically, once it croses 4L ,i can try for direct upgradation,

Though IDFC hasn't offers any LE for over an year by now ,and the last time it did ,it was a measly 10% or 30k

 

[kshitij_0]

Thought I'm a bit scared ,what if i get offered Select again ,even worse with lower limit ,

Should i just hold onto Select and wait for Credit Limit to increase organically, once it croses 4L ,i can try for direct upgradation,

Though IDFC hasn't offers any LE for over an year by now ,and the last time it did ,it was a measly 10% or 30k

How much is your current CL? If it's above 3L then wait. If below 2L then definitely cancel. In between you can decide

 

[kshitij_0]

Well the email route for c2c upgradation failed

"With reference to the below-mentioned email, we regret to inform you that currently, as per the limit assigned to your card, we are unable to upgrade your card. In order to upgrade your card, we will need to increase your credit limit, after which we can check if your card is eligible for an upgrade.

Further, we acknowledge the documents that you have shared with us. Hence, we request that you provide us with the latest 3 months bank statement stating Salary Credit with IFSC code and other details reflecting in PDF format"

Now ,will cancel Select and re apply with another number

IDK how some agents are able to provide and some agents still don't know.

 

[Swastik]

How much is your current CL? If it's above 3L then wait. If below 2L then definitely cancel. In between you can decide

3.3 L limit

 

[kshitij_0]

3.3 L limit

Same. My limit is also 3.27L. I'll try tomorrow for c2c let's see what happens. Mostly I'll fail.

 

[Swastik]

Same. My limit is also 3.27L. I'll try tomorrow for c2c let's see what happens. Mostly I'll fail.

Let us know how it goes

All the best

 

[NeoOnWheels]

6 times I tried in last 5 months and always end up getting Select card rather than Welath. God knows what algo they have. I tried mentioning my other cards as - Infinia, Amex Platinum Travel, SBi Elite, nothing works 😢

 

[BVCBVC is verified member.]

6 times I tried in last 5 months and always end up getting Select card rather than Welath. God knows what algo they have. I tried mentioning my other cards as - Infinia, Amex Platinum Travel, SBi Elite, nothing works 😢

Metro Pincode ?

 

[Vasuki]

I am NTB customer with IDFC. I had some relationship in the past with IDFC via Flipkart Paylater which I had closed last year.

Hi Guys,

I will share my successs story of how I got approved for Wealth Credit Card from IDFC bank.

I recieved a call from sales team that I was eligible for IDFC LTF credit card. I clearly told them I am not gonna apply unless I get wealth card. She told she can apply Wealth for me and it will approve for sure.

I trusted her and followed her steps and boom the card was approved on second day and virtual card has arrived.

My monthly avg salary is ~60k and CIBIL hovers between 770 and 780


If anyone wants to apply ensure your work location and current residence is at same City. I can share the agent contact who helped me to apply.

For agent contact check message number #42

I have recieved my physical card in just 2 days check message #43

Edit 1

Update by user @_amit_
WFH so not possible for me.
In her knowledge, WFH with company address (or any company branch) not in same city usually gets rejected later on.

Did u got home & office verification

 

[Vasuki]

Ohho you closed your account. When did you last attempt to apply for their credit card? For future applications, I recommend considering the assistance of an agent or through IDFC CC

How does that benefits

 

[Gaara]

How does that benefits

The agent’s primary responsibility is to ensure that applications are approved, as their commission depends on successful approvals. Consequently, they meticulously complete the forms in a manner that maximizes the likelihood of approval.

 

[Vasuki]

The agent’s primary responsibility is to ensure that applications are approved, as their commission depends on successful approvals. Consequently, they meticulously complete the forms in a manner that maximizes the likelihood of approval.

Bhai the only prob is their home verification..
Card i m getting c2c .
With no doc required

 

[Gaara]

Bhai the only prob is their home verification..
Card i m getting c2c .
With no doc required

Back in 2022 they did home and office verification and approved me idfc millennia credit card, I didn't take it.

Now in 2024 they did not do any verification, around 12 agent filled in my form, I did my vkyc at 2 - during vkyc she asked me to install the app and virtual card started showing up on app by 4 in the evening. No home or office verification.

 

[Vasuki]

Back in 2022 they did home and office verification and approved me idfc millennia credit card, I didn't take it.

Now in 2024 they did do any verification, around 12 agent filled in my form, I did my vkyc at 2 - during vkyc she asked me to install the app and virtual card started showing up on app by 4 in the evening. No home or office verification.

I m getting Millniea too ..

 

[Gaara]

I m getting Millniea too ..

Last tried on?

 

[Vasuki]

Last tried on?

Today 😺

My highest limit is 90 k on cibil
Got 83 k on Millniea can't blame them
.
Just want it without verification thats it .if they ask for verification.. I won't apply ever & keep zero balance in their account

 

[Gaara]

I was not interested in IDFC, Agent kept calling me for a month. To get rid of her I said fill in the form and she got me select, if known that agent is talented, I could have asked her to get me Wealth. 😂