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Idfc select to wealth card.

M

Mandeepthukral

TF Buzz
Around 2 years, I got a message from idfc bank that I am preapproved for idfc select card with 2.1 lakh limit. I applied for it. In the meantime, I several cards were upgraded from regalia to infinia metal, magnus, emaralde and several others. In Jan this year I called idfc bank for limit increase with intention to upgrade to wealth card. I was told there is no such offer. I closed the card and applied again. I was offered secured wow idfc card (lol). Even after stating my super premium credit cards and charge cards. With limits upwards of 8L. On 21st July I got a message from idfc that I am eligible for wealth card with 5L limit. I applied and immediately my application was rejected in 2 seconds. Then 5 days later I received a message from them that my card is approved and dispatched.
This is just for the information for anyone required.
In the meantime in April this year, I did received a message from them to offer 10k balance saving account as zero balance account. Which I opened. I maintained 2k balance in the account. Then on 12th July I did open 2 Rd of 5k each for a year.
 
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Magnus with 5.1L offered wealth with 4L. vkyc failed due to a misprint in PAN (never noticed before). Can anything be done? Physical verification was suggested by the agent but am not at the address for the next few days.
 
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NeoOnWheels said:
God knows why IDFC did not offer me Wealth card. Do you need to have account with the bank? I have no association with them and that could be the reason.
Click to expand...
What are all the cards you currently hold?? what is your CIBIL score and no of recent enquiries in the last 3 months?
 
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S S V said:
Actually this the best possible scenario to get the IDFC card... HAVING NO relationship with them....
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There was this TV ad, idk if anyone remembers or not. I was something that in a restaurant, where a family is eating, and new family enters, the restaurant owner moves the fan towards the NTB customer. Something something, the purpose was we don't differentiate between old and new customers.
 
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aayusharyan said:
The reason is when they rolled the dice, the number came as 5.
1 - WOW
2 - Power
3 - Millenia
4 - Classic
5 - Select
6 - Wealth

This is not financial advice. lol /s
Click to expand...
And the Dice had been rolled for me and it turned out to be the LUCKY number : 6 for me

All within the span of 15 minutes from the starting of application to VKYC to Approval to Virtual Card thru IDFC App....

Here it is, my IDFC First Wealth:

1700221088673.jpeg
1700221008100.png
 
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S S V said:
And the Dice had been rolled for me and it turned out to be the LUCKY number : 6 for me

All within the span of 15 minutes from the starting of application to VKYC to Approval to Virtual Card thru IDFC App....

Here it is my IDFC First Wealth:
View attachment 35097
View attachment 35096
Click to expand...
Wow, congratulations buddy. What's the CL they gave you?
Also, what was the process like (which documents you gave)?
 
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S S V said:
What are all the cards you currently hold?? what is your CIBIL score and no of recent enquiries in the last 3 months?
Click to expand...
1. HDFC Infinia 12.2L
2. ICICI APay 3L
3. SBI Elite 5L
4. CIBIL 814
5. 5 hard enquiries in CIBIL due to 2 new CCs - Infinia and Elite

I was interested only coz it's LTF and BMS offer
 
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S S V said:
And the Dice had been rolled for me and it turned out to be the LUCKY number : 6 for me

All within the span of 15 minutes from the starting of application to VKYC to Approval to Virtual Card thru IDFC App....

Here it is, my IDFC First Wealth:

View attachment 35097
View attachment 35096
Click to expand...
Interesting, they gave you rate of interest as 42%. Mine is 36%... I wonder what parameters it depends on... NTB / Card Variant. CL... 🤔
 
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S S V said:
And the Dice had been rolled for me and it turned out to be the LUCKY number : 6 for me

All within the span of 15 minutes from the starting of application to VKYC to Approval to Virtual Card thru IDFC App....

Here it is, my IDFC First Wealth:

View attachment 35097
View attachment 35096
Click to expand...
Wow, how did you people have escaped from physical address verification. Mine took around 3-4 days for card approval.
Is the reason Metro city?
 
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