IDFC Wealth Credit Card Easily Approved

[hi buddy what to do]

Ok, So few days back i also thought to get IDFC Wealth Credit card after seeing threads on getting wealth card, just to add IDFC card to my portfolio. (will be using for sales & offers, considering the devaluations)

My Current Portfolio:
SBI Cashback - Jan 2023
Axis Neo LTF - Sept 2023
HDFC Millenia LTF - Dec 2023
ICICI Dual Sapphiro LTF- Jan 2024
BOB Premier Rupay LTF - March 2024
HDFC Tata Neu Infinity FYF - June 2024
AU IXIGO LTF - June 2024
IDFC Wealth LTF - Got Approved

Current Cibil: 763 (Reduced from 771 this month due to high utilization (5%))
Credit Age: 3 Years
Highest Limit: HDFC Millenia : 5.12 L

On 28 June, I filled online application through Cashkaro ( will be getting 1K rewards ) , application id got generated, completed vkyc. on 29 June, home address verification done (1PM) , received approval message and card details ( 2:30PM).

Existing Relation: I hold 10k MAB SB account with IDFC since Jan 2024 (not much transactions, maintaining MAB only)

Details Filled during Application Process: I applied via C2C, selected HDFC Bank and leave the variant box Blank, added limit 5.12L, added salary 3.1L ( actual <1.5)

No documentations asked.

 

[Anindya98]

Can we get multiple CC from IDFC ? I have IDFC Vistara, now i dont get option to apply for new card online

Yes, you can apply for a core/power/power+ card but the limit will be shared.

 

[Dragon_slayer]

Yes, you can apply for a core/power/power+ card but the limit will be shared.

Where do i apply, offline? It does not show online anymore

 

[Anindya98]

Where do i apply, offline? It does not show online anymore

Apply via offline or agent. DM me I can share my Agent number, he might help you.
@BVC uses 2 cards IDFC Wealth And Vistara. He might shed some light on this.
I know if you have a core card you can apply online as you receive an Emails or SMS for co co-branded card application link via the bank. Also, agents call you for Swipe/Power/Power+ cards.
Currently, I hold IDFC Select and I got emails and SMS links for 3 cards Power+, IDFC Vistara, and Business Credit card and Calls regarding the Swipe card.

 

[faltooAdmi]

Generally speaking eith a good bank CC like hdfc, amex, Stan c , Axis etcbwoth 5L CL or above will do the trick.
And you maybenter 36L.income in the application..
Ultimately your cibil profile decades it

I tried with my hdfc DCB with 8L limit, also entered salary as required, but still showed Select. Metro city pincode as well

 

[SSV]

I tried with my hdfc DCB with 8L limit, also entered salary as required, but still showed Select. Metro city pincode as well

how old is this DCB and how old is your credit profile as per CIBIL ?

 

[faltooAdmi]

how old is this DCB and how old is your credit profile as per CIBIL ?

More than a year old.
I had one credit card from my company in 2014-16. Then stopped using that.
Now again started using personal CC again from Jan 2023 with DCB. Still more than 1 year old

 

[SSV]

Y

More than a year old.
I had one credit card from my company in 2014-16. Then stopped using that.
Now again started using personal CC again from Jan 2023 with DCB. Still more than 1 year old

You don't have any other cards?
How old is your personal cibil profile?

It seems as you have less cibil age you are not offered wealth cc

 

[faltooAdmi]

Y

You don't have any other cards?
How old is your personal cibil profile?

It seems as you havevless cibil age you are not offered wealth cc

I have atlas(1.5L), icici sapphiro (4.6L), federal celesta (8.4L), hdfc DCB (8L)
Oldest being DCB of almost 1.5 yrs old

 

[SSV]

I have atlas(1.5L), icici sapphiro (4.6L), federal celesta (8.4L), hdfc DCB (8L)
Oldest being DCB of almost 1.5 yrs old

Yes. As suspected 1.5 years of credit age is not a favorable factor here in getting wealth cc offer by idfc algorithm

 

[yolofino]

i used hdfc regalia CC... finally after two followup emails, its approved yesterday night..
applied on 9th July and approved on 31st July..

What did you write in the folow up emails? Banker email or credit card email?

For me, I applied on 31st July, "application is approved" status but card number is yet to be generated or printed. 1 week has passed.

 

[msd07]

What did you write in the folow up emails? Banker email or credit card email?

For me, I applied on 31st July, "application is approved" status but card number is yet to be generated or printed. 1 week has passed.

I asked for status and if anything is pending from my side for not moving to next stage.

 

[theflash]

Ok, So few days back i also thought to get IDFC Wealth Credit card after seeing threads on getting wealth card, just to add IDFC card to my portfolio. (will be using for sales & offers, considering the devaluations)
View attachment 59202
My Current Portfolio:
SBI Cashback - Jan 2023
Axis Neo LTF - Sept 2023
HDFC Millenia LTF - Dec 2023
ICICI Dual Sapphiro LTF- Jan 2024
BOB Premier Rupay LTF - March 2024
HDFC Tata Neu Infinity FYF - June 2024
AU IXIGO LTF - June 2024
IDFC Wealth LTF - Got Approved

Current Cibil: 763 (Reduced from 771 this month due to high utilization (5%))
Credit Age: 3 Years
Highest Limit: HDFC Millenia : 5.12 L

On 28 June, I filled online application through Cashkaro ( will be getting 1K rewards ) , application id got generated, completed vkyc. on 29 June, home address verification done (1PM) , received approval message and card details ( 2:30PM).

Existing Relation: I hold 10k MAB SB account with IDFC since Jan 2024 (not much transactions, maintaining MAB only)

Details Filled during Application Process: I applied via C2C, selected HDFC Bank and leave the variant box Blank, added limit 5.12L, added salary 3.1L ( actual <1.5)

No documentations asked.

Applied today morning

Current Cibil: 778
Credit Age: 3 Years 9M
Highest Limit: ICICI 3.4L

Existing relationship: Wealth Acct

Will do Vkyc in the evening once home is there chances of approval?

 

[hi buddy what to do]

Applied today morning

Current Cibil: 778
Credit Age: 3 Years 9M
Highest Limit: ICICI 3.4L

Existing relationship: Wealth Acct

Will do Vkyc in the evening once home is there chances of approval?

Ideally you should have your card limit> 5L if applying C2C for approval as 5L is the base limit for wealth card

 

[Anindya98]

Ideally you should have your card limit> 5L if applying C2C for approval as 5L is the base limit for wealth card

That is required to upgrade your current IDFC CC to Wealth CC.

 

[BVCBVC is verified member.]

That is required to upgrade your current IDFC CC to Wealth CC.

If you have Wealth account you can get it without 5L also. Select account luck matters (There are some people on TF got it with Select Account and one of my friend to got it select account). Go through this thread, hope you've gone through it.

Thread 'IDFC Upgrading Select Credit Card to Wealth Credit Card'

Jul 30, 2024

IDFC started upgrading IDFC Select Credit Card to IDFC Wealth Credit Card on request.

Process:

- Call to customer care.
- Tell them that you want to upgrade Select CC to Wealth CC.
- They will deny saying that Wealth CC has a minimum floor CL of 5L and we cannot upgrade.
- Inform that you've been using your select card well for the past 3-6 months.
- They will deny again (If possible).
- Then tell that many of our friends are getting it upgraded to Wealth CC from Select CC.
- They will take the request for upgrade.


-Within 1 working day the request has been processed to...

• BVC
• credit card idfc select select credit card wealth wealth credit card
• Replies: 157
• Forum: Credit Card Tips & Tricks

• 
• 
• 

 

[Anindya98]

If you have Wealth account you can get it without 5L also. Select account luck matters (There are some people on TF got it with Select Account and one of my friend to got it select account). Go through this thread, hope you've gone through it.

Thread 'IDFC Upgrading Select Credit Card to Wealth Credit Card'

Jul 30, 2024

IDFC started upgrading IDFC Select Credit Card to IDFC Wealth Credit Card on request.

Process:

- Call to customer care.
- Tell them that you want to upgrade Select CC to Wealth CC.
- They will deny saying that Wealth CC has a minimum floor CL of 5L and we cannot upgrade.
- Inform that you've been using your select card well for the past 3-6 months.
- They will deny again (If possible).
- Then tell that many of our friends are getting it upgraded to Wealth CC from Select CC.
- They will take the request for upgrade.


-Within 1 working day the request has been processed to...

• BVC
• credit card idfc select select credit card wealth wealth credit card
• Replies: 157
• Forum: Credit Card Tips & Tricks

• 
• 
• 

Yes, I know that, and read the thread I was clearing his doubt.

 

[Cc_creditguy]

Guyz I'm facing issue with idfc bank didn't recieve any sms , and today I redeemed a voucher and I didn't recieve my voucher how can I sort it out

 

[supperman]

Any reasonable benefit of IDFC Wealth, worth the hassle of going for an upgrade over Select?

 

[BVCBVC is verified member.]

Any reasonable benefit of IDFC Wealth, worth the hassle of going for an upgrade over Select?

Intl Lounge access using DF, Visa Infinite card network, Paytm BOGO upto 250 per month are the main benefits I feel and I use.

 

[EternallyHopeful]

Intl Lounge access using DF, Visa Infinite card network, Paytm BOGO upto 250 per month are the main benefits I feel and I use.

Which benefits of VISA infinite can wealth CC holders get?