IDFC | What are the reasons Addon Credit Card request gets rejected?

[ltf4ever]

what are the conditions under which banks can reject addon credit card?

i applied on idfc app for my father, and within a few seconds, they sent me a message that the approval was not provided as internal criteria are not met.

My father is salaried, i submitted his PAN in the app and interestingly, he is also a primary credit card holder of idfc (i had earlier confirmed with them and they said that i can add a primary holder as an addon, so that probably is not the reason).

 

[romancingtheplanet]

RBL do not issue add on for 60+ years old.
SBI Octane add on rejected for unknown reasons.

 

[kochiro]

Sbi reject addon request based on location(only few metro cities allowed for now). Axis mostly allow addon only during you are applying it and agent come to your home/office, you have to ask him to select addon. Hdfc gives addon easily through net banking.

 

[ltf4ever]

Sbi reject addon request based on location(only few metro cities allowed for now).

idfc gave me the primary card, and the addon was requested on same address. would they have different service area eligibility for primary/addon cards?

RBL do not issue add on for 60+ years old.
SBI Octane add on rejected for unknown reasons.

my father is well under 60, so that doesn't seem to be the issue with idfc.

 

[TheMentalist]

Maybe their customer care gave incorrect info that he can be both primary as well as addon cardholder. Because IDFC creates a new credit card account for addon holder as well, so one individual might not be allowed to keep two CC accounts

 

[ltf4ever]

Maybe their customer care gave incorrect info that he can be both primary as well as addon cardholder. Because IDFC creates a new credit card account for addon holder as well, so one individual might not be allowed to keep two CC accounts

yes it seems that is the case. they also declined to my mother who is also a primary account holder but i read their terms carefully, and understood that primary holders can also get an addon card, but welcome offers won't be valid for them.
i have escalated this, I'll update here if this is indeed the case.

 

[ltf4ever]

UPDATE:
they emailed me that they are not issuing addon cards who already hold primary card with them.
Whereas in earlier email I had specifically asked them about this and they had mentioned that primary card holders can also be added as addon.

 

[ltf4ever]

follow up question: should I ask my parents to close their Select card and then apply for addon for them?

 

[TheMentalist]

follow up question: should I ask my parents to close their Select card and then apply for addon for them?

what specific purpose will that serve?

 

[ltf4ever]

what specific purpose will that serve?

international lounge/spa accesses for them, and also better reward rate if they make any spends on Wealth, as compared to Select. plus 2 additional thriwe memberships (equivalent to 2x250 bb vouchers and 2x3 month amazon prime membership) + 500x2 cashback for addon cards.

 

[ltf4ever]

IDFC being ridiculous:

i emailed them saying that i will ask my parents to close their primary Select card, and then i will apply for Wealth addon for them.

they have replied to my email, asking me not to close their card, and wait for upgrade offers for their cards if and when available for their account.

I have escalated to their pno now, as card upgrade and addon are complete different issues. it's like being penalized for being early card holders of idfc. will update here.

 

[TheMentalist]

IDFC being ridiculous:

i emailed them saying that i will ask my parents to close their primary Select card, and then i will apply for Wealth addon for them.

they have replied to my email, asking me not to close their card, and wait for upgrade offers for their cards if and when available for their account.

I have escalated to their pno now, as card upgrade and addon are complete different issues. it's like being penalized for being early card holders of idfc. will update here.

Ofcourse they wouldn't want their customers to close their card, so nothing wrong in trying to retain their CC customers

 

[aamaadmi]

IDFC being ridiculous:

i emailed them saying that i will ask my parents to close their primary Select card, and then i will apply for Wealth addon for them.

they have replied to my email, asking me not to close their card, and wait for upgrade offers for their cards if and when available for their account.

I have escalated to their pno now, as card upgrade and addon are complete different issues. it's like being penalized for being early card holders of idfc. will update here.

Is the idfc 500 offer still there for addon cards? Is it applicable for all or only those who received the offer message? Will add-ons be reported to their cibil?

 

[ltf4ever]

Ofcourse they wouldn't want their customers to close their card, so nothing wrong in trying to retain their CC customers

yeah i had expected that, but not on email! now i have forwarded the same email to pno with proof that their agents are more concerned about retaining customers while ignoring the original problem.

the answer that would have sufficed was:
1) yes, close the card and apply for addon. OR
2) don't close the card, we will give you addon OR
3) don't close the card, it will still not give you addon.

 

[Krutik1995]

yeah i had expected that, but not on email! now i have forwarded the same email to pno with proof that their agents are more concerned about retaining customers while ignoring the original problem.

the answer that would have sufficed was:
1) yes, close the card and apply for addon. OR
2) don't close the card, we will give you addon OR
3) don't close the card, it will still not give you addon.

what happen then finally ?

 

[ltf4ever]

what happen then finally ?

they refused to give addon. when asked them about closing parents' pimary card and apply for addon after select card closure, they said that you can try doing that.

 

[nik007rock]

Same issue with me , unable to apply add on for my wife, very bad from IDFC

 

[dhiraz]

I am curious to know what is the main benifit of add on card.

Some questions in my mind.
1. If i apply for an addon card transaction on addon card reported on addon's person Pan or Primary Person's Pan.
2. Transaction on Addon Card Affect Primary Card Limit.
3. Addon card can improve Cibil Score.

Or Any Benefits Please Mention.

 

[0b110]

I am curious to know what is the main benifit of add on card.

Some questions in my mind.
1. If i apply for an addon card transaction on addon card reported on addon's person Pan or Primary Person's Pan.
2. Transaction on Addon Card Affect Primary Card Limit.
3. Addon card can improve Cibil Score.

Or Any Benefits Please Mention.

My add on card is still in process but here are my 2c.

1. Yeah , txns done on add on card would be billed on primary account

2. Add on card will always have same or lower limit than primary. So if I have primary card limit of 2l, I can set the add on limit upto 2l. And the cumulative usage on both cards can be equal to 2l max.

3. I have read that in context of US cards. Banks do take the kyc details of add on user not sure if any reporting is done to credit unions though.


Other benefits imo are the offer add on card comes with.

1. One time 500 Rs cashback.
2. Additional plastic to share with family member in case of need
3. Lounge access for both primary and add on.

 

[Shash]

international lounge/spa accesses for them, and also better reward rate if they make any spends on Wealth, as compared to Select. plus 2 additional thriwe memberships (equivalent to 2x250 bb vouchers and 2x3 month amazon prime membership) + 500x2 cashback for addon cards.

How to get thriwe membership.I have first wealth debit card