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.

 

[sharma]

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.

Upgraded or new

 

[kskds]

Upgraded or new

New application, never had any relationship with IDFC.

 

[saidso]

New application, never had any relationship with IDFC.

Did you contact the same agent or someone else?

 

[APT]

New application, never had any relationship with IDFC.

online mode or agent?

 

[persistentbug]

Just wanted to share what worked for both me and my wife. Both of us got IDFC Wealth without submitting income docs.

Income: Put 3l+ monthly (My wife does not have that salary and there is no verification on this field)
Current CC: 8L+ (I had a 7.2L limit at that time but I put 8L so there is not verification on this field. My wife put 10L since she had a card with that limit)

Both of us have a CIBIL of 785+. We have no prior relation to IDFC Bank. The process was online application via IDFC website.

 

[_amit_]

Does the company name in which you work appear in your case or showed you some selection input. Or was the input field a normal text field.
Wanted to know if the company you receive salary from was in their database or not.

 

[persistentbug]

Does the company name in which you work appear in your case or showed you some selection input. Or was the input field a normal text field.
Wanted to know if the company you receive salary from was in their database or not.

Normal text field for both of us. It wasn't an autocomplete or selection input.

 

[kskds]

Did you contact the same agent or someone else?

Infact I did not contacted anyone, I used a link via referral from one of my friend who applied and got the card.

 

[kskds]

online mode or agent?

Online mode, via referral.

 

[AllThatStuff]

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!! 😐😑😞

 

[Gaara]

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!! 😐😑😞

 

[Gaara]

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!! 😐😑😞

Don’t be disheartened; the future is bullet proof, we will get better cards than wealth.

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

Don’t be disheartened; the future is bullet proof, we will get better cards than wealth.

wait a minute who are you?

 

[Gaara]

wait a minute who are you?

 

[AllThatStuff]

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!! 😐😑😞

What could be the possible resaons....??
low CIBIL (747)....my location....anything else??

What next now....when can I try again??

 

[Gaara]

What could be the possible resaons....??
low CIBIL (747)....my location....anything else??

What next now....when can I try again??

Give 6 month break.
try next festival season

 

[kshitij_0]

What could be the possible resaons....??
low CIBIL (747)....my location....anything else??

What next now....when can I try again??

Low Cibil and Location both could be the reason. Over leveraged in bank terms can also be a reason. What's the total reported Credit Limit in your Cibil?
They calculate the limit of merged credit cards as a separate limit.

 

[shadow]

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.

I tried using Regalia Gold (had to put regalia as they don't have gold as an option), with 3.8L limit but 2 tier city (they have a branch in my location). They only offered WOW.
My brother tried, with ICICI Rubyx and 8-9L limit with Bangalore location and they still offered WOW.
Any way we could get wealth even select would be good.

 

[BVCBVC is verified member.]

I just sent AMEX 6L latest statement and next day they upgraded.

How long the card was been issued by IDFC before upgrade and what was the previous limit on the IDFC card??

 

[Wildcard]

I closed select and applied with new no today.
Entered salary > 3L and ICICI sapphiro card - 5.3 L limit.
Offered select card again 😓