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IDFC Wealth card - Overall Experience

0b110

0b110

TF Select
VIP Lounge
I posted earlier on the forum that I have been trying for IDFC wealth cc for quite some time but facing issues. Note that I currently maintain wealth plus relationship as well only so I could demand the wealth card. It was still a pain applying, following up and finally getting the card. Some minot glitches still remain but overall satisfied with where I am right now. I might even continue being their wealth customer as generally speaking their app and website have been quite good in my experience and debit card has good features too.

Here were the problems

1. Their algorithm kept offering me classic credit card with 80k limit when my combined credit limit across just the top 3 cards itself is 33 lakh.

2. The RM was useless. He kept insisting there is nothing he can do for credit card and it is offered

2. Emailed everyone I could for processing a wealth card but they kept replying the same bs that the card is determined based on internal policy and system decides which one to offer.

Finally took the advice from members here and used my name , pan, and family members number to try again. Voila, they offered wealth right away. I quickly accepted, completed the application and vkyc and in 3 days the card was at my door step. 2 more days and I got the dreamfolks privilege card too. So overall a smooth process once the initial hurdles were crossed.

That said, there are still some issues.
1. Now I have two numbers associated with idfc. For savings acct, it is my own number and for credit card it is the family members acct. And the only way for me to request number update is to visit the branch.
2. Any links to read more on the dream folks card like -
A. Is this same as dreamfolks dragon pass card? There is no dragon pass branding on the card or documentation it came with.
B. Is this preactivated or do I need to do anything special to activate?
C. I check the dreamfolks app and it asks for a pin along with the card no. as well. I didn't receive any pin.


Edit - got the add on card and dreamfolks card as well today. Very smooth on boarding and quick delivery. 10/10 will recommend.

If you have any questions, ask away
 
Last edited:
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0b110 said:
Yeah man, as I said before, I have tried viewing preapproved cards at least 50-60 times and used to receive calls from idfc to take classic that was being offered at the time. I remember taking almost all of them in hopes that someone might agree to process wealth card on c2c basis.

Thank God I can skip those pesky calls now.
Click to expand...
Yes it’s boredom to get their calls convincing me for select variant and when I say cancel application they ask reason anyways hard work required to reach our target like u did 👍
 
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hariks789 said:
I had entered 1.7 but was not given wealth 🙁
Also entered my existing card with 7.3L limit.
Got Select with 2L without any documents or verification.
Not sure if they have a fixed eligibility criteria.
Click to expand...
Though it seems arbitrary, I am sure their algorithm considers other parameters as well. Have a feeling one of those is the customers existing relationship with idfc if you have wealth first banking then maybe they offer you wealth. BTW my card limit is also 2L.
 
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Just to add, I hold wealth account but don't maintain the required TRV. I was offered Classic with 135000 limit, took it in hope of getting wealth CC due to good spends and credit portfolio.
 
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0b110 said:
Though it seems arbitrary, I am sure their algorithm considers other parameters as well. Have a feeling one of those is the customers existing relationship with idfc if you have wealth first banking then maybe they offer you wealth. BTW my card limit is also 2L.
Click to expand...
so if wealth cc is the target then to open idfc acc with 10l NRV i think.
but need assurance whether wealth cc will be issued if acc opened lets see, i've a nearby branch will enquire
 
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Wealth is my birth right! said:
so if wealth cc is the target then to open idfc acc with 10l NRV i think.
but need assurance whether wealth cc will be issued if acc opened lets see, i've a nearby branch will enquire
Click to expand...
Yeah, looks like that. You can always close the account after having received the credit card or change the relationship to lower tier if you want to stay with idfc. Try getting an email from them where a banker commits to processing the wealth card. Rest it's upto the algo.
 
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0b110 said:
Yeah, looks like that. You can always close the account after having received the credit card or change the relationship to lower tier if you want to stay with idfc. Try getting an email from them where a banker commits to processing the wealth card. Rest it's upto the algo.
Click to expand...
yes banks play tricks so customers too play the best.
anyway its a LTF card as soon as card came we can think of acc downgrade
 
Last edited:
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hariks789 said:
I had entered 1.7 but was not given wealth 🙁
Also entered my existing card with 7.3L limit.
Got Select with 2L without any documents or verification.
Not sure if they have a fixed eligibility criteria.
Click to expand...
sagarhgusani12 said:
They offered me the select variant without proof and the wealth variant with income proof >1.35k. I selected the wealth variant and uploaded the original salary slips with income <1.35k. I received the select card only
Click to expand...

Even when you guys selected Wealth, you received Select. Were you intimated before that you would be given Select instead of Wealth, or did the Select card directly came from IDFC via courier without any prior intimation?
 
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0b110 said:
I posted earlier on the forum that I have been trying for IDFC wealth cc for quite some time but facing issues. Note that I currently maintain wealth plus relationship as well only so I could demand the wealth card. It was still a pain applying, following up and finally getting the card. Some minot glitches still remain but overall satisfied with where I am right now. I might even continue being their wealth customer as generally speaking their app and website have been quite good in my experience and debit card has good features too.

Here were the problems

1. Their algorithm kept offering me classic credit card with 80k limit when my combined credit limit across just the top 3 cards itself is 33 lakh.

2. The RM was useless. He kept insisting there is nothing he can do for credit card and it is offered

2. Emailed everyone I could for processing a wealth card but they kept replying the same bs that the card is determined based on internal policy and system decides which one to offer.

Finally took the advice from members here and used my name , pan, and family members number to try again. Voila, they offered wealth right away. I quickly accepted, completed the application and vkyc and in 3 days the card was at my door step. 2 more days and I got the dreamfolks privilege card too. So overall a smooth process once the initial hurdles were crossed.

That said, there are still some issues.
1. Now I have two numbers associated with idfc. For savings acct, it is my own number and for credit card it is the family members acct. And the only way for me to request number update is to visit the branch.
2. Any links to read more on the dream folks card like -
A. Is this same as dreamfolks dragon pass card? There is no dragon pass branding on the card or documentation it came with.
B. Is this preactivated or do I need to do anything special to activate?
C. I check the dreamfolks app and it asks for a pin along with the card no. as well. I didn't receive any pin.
Click to expand...
B. preactivated, as confirmed by dreamfolks team.
C. the df app accepta all df cards except the ones issued by idfc. written in their terms and conditions.
 
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