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.

 

[MOhit __]

Nothing fancy ,just the basics

Subject :- Request for Credit Card Upgrade

I am currently holding a IDFC Select Card with credit limit of 3,30,000.

I'm also holding ICICI Bank Amazon Pay Card with a credit limit of 6,10,000 (recent statement attached).

Kindly consider increasing the limit as well as upgrading me to the IDFC Wealth Card.
Thank you.

Below are my details :-

Customer ID - XXXXXXXXXX

Card no. - XXXX XXXX XXXX XXXX

Name - SWASTIK XXXXX XXXXXXX

Mobile No. - XXXXXXXXXX

P.s. - PDF Password - xxxxxxxx (all lowercase)

This will not work, instead, they will request 3 months bank statements showing the salary credit.

 

[Swastik]

This will not work, instead, they will request 3 months bank statements showing the salary credit.

Ahh ,i see

 

[sharma]

This will not work, instead, they will request 3 months bank statements showing the salary credit.

Correct these people never asked me those data they only ask me salary slip and bank statement

 

[sharma]

I guess irrespective of spend, they would consider the card limit. It’s time you draft a mail for the upgrade. I’m eagerly waiting to see you get upgraded.

I did three to four times till date and always they declined after asking salary slips and bank statement...

 

[Gaara]

I did three to four times till date and always they declined after asking salary slips and bank statement...

IDFC is being mean to us 🤔

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

IDFC is being mean to us 🤔

Yes more mean than SBI cards hehehe

 

[Gaara]

Yes more mean than SBI cards hehehe

Yes, I started believing it recently 😂
all their new cards becoming paid, devaluation etc etc.

 

[sharma]

Yes more mean than SBI cards hehehe

Sbi is worse for me, they are declining my application over the years.
Atleast idfc has given select varient for me

 

[Gaara]

Sbi is worse for me, they are declining my application over the years.
Atleast idfc has given select variant for me

It’s happening for your own good. SBI credit cards aren’t considered cool, and if you delve into online discussions, you’ll find numerous threads detailing the troubles people face due to SBI cards.

 

[sharma]

It’s happening for your own good. SBI credit cards aren’t considered cool, and if you delve into online discussions, you’ll find numerous threads detailing the troubles people face due to SBI cards.

I know but I need cashback card for electricity bill.
My monthly bills will be around 20-30k

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

I know but I need cashback card for electricity bill.
My monthly bills will be around 20-30k

mine cashback card was approved instantly...
idfc with low limit of 40K

 

[kshitij_0]

Mine upgraded 😂😂

Kaise bhai...mera bhi karwa do usi se kahke
waise main khud try karunga ek aur baar. Usko Amex ka bhejke next statement ke baad.
Ye batao full process kya tha? Kitna limit mila?

 

[pprakash11]

Kaise bhai...mera bhi karwa do usi se kahke
waise main khud try karunga ek aur baar. Usko Amex ka bhejke next statement ke baad.
Ye batao full process kya tha? Kitna limit mila?

Card got upgraded without Limit Enhancement.

Bas itna hu mail ke baad

 

[kshitij_0]

Card got upgraded without Limit Enhancement.

Bas itna hu mail ke baad

Kitna limit tha select me?

I did three to four times till date and always they declined after asking salary slips and bank statement...

Bro I have tried this 10 times

 

[pprakash11]

Kitna limit tha select me?

2.7 L 🤭

 

[kshitij_0]

2.7 L 🤭

Mera 3.27L hai aur Amex me 6.69L. I think wo log LE bhi denge Wealth upgrade ke baad. Mujhe Select me hi Auto LE mila tha 2.97 se 3.27 tak

 

[pprakash11]

Mera 3.27L hai aur Amex me 6.69L. I think wo log LE bhi denge Wealth upgrade ke baad. Mujhe Select me hi Auto LE mila tha 2.97 se 3.27 tak

LE without income docs is not possible.
Agar lucky hue to Card upgrade ho jayega but obviously without Limit Enhancement

 

[kshitij_0]

LE without income docs is not possible.
Agar lucky hue to Card upgrade ho jayega but obviously without Limit Enhancement

I mean Pre approved LE after upgrade after sometime.

 

[pprakash11]

I mean Pre approved LE after upgrade after sometime.

Yes Yes wo toh aayega hi, post 6 months from last LE

 

[kskds]

For me also getting the Wealth card was extremely smooth.. I applied via C2C using my HDFC Regalia. I got the same limit as Regalia without any documentations at all.