My experience of closing idfc select card and applying for wealth card - A big fail converted to success

[RockyBond]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Update :-
3. Third time

With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Final update 29th January :-
Application approved without any home or office verification.

From failure to success. What a journey 😂

 

[cardio_guy]

3. Third time
With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

You know what. I entered 3L salary and existing icici Sapphiro 10L card. Got wow card FD based. 😀

 

[RockyBond]

You know what. I entered 3L salary and existing icici Sapphiro 10L card. Got wow card FD based. 😀

This is so sad

 

[deep@vie]

Do they do office verification or office email verification?

Depends on employer

 

[Tejo]

@Tejo @saucy
If i open idfc select / wealth in hometown
Branch is not available in website so no cc offering .
Once select/ wealth is opened .

Can i move my branch to different state ? (Bihar -- Gurugram)
With new current address ..
Or change current address & then branch


How much hassle is this !

Directly open new s/w in serviceable branch only

 

[Tejo]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Update :-
3. Third time

With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Don't forget to update about approval/rejection...here

 

[gamecreepers]

Tried three times. Im a doctor. I put 4L as income and employer was not there in list. Tried with HDFC infinia 11L and also with Citi 5.5L both showed me select card. Dunno what im doing wrong. 🙁

 

[deep@vie]

Tried three times. Im a doctor. I put 4L as income and employer was not there in list. Tried with HDFC infinia 11L and also with Citi 5.5L both showed me select card. Dunno what im doing wrong. 🙁

Employer . .

 

[cardio_guy]

3. Third time
With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Was your employer in their list of preferred employers? Or is it outside that list?

 

[gamecreepers]

Employer . .

But what to choose. im a freelancing doctor :/

 

[deep@vie]

But what to choose. im a freelancing doctor :/

They'll verify employer, you can’t just put any.

 

[APT]

3. Third time
With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Amex statement should be uploaded or c2c Card statement not required?

 

[deep@vie]

Amex statement should be uploaded or c2c Card statement not required?

Nothing . .

 

[RockyBond]

Depends on employer

Elaborate please . I put Tcs

 

[cardio_guy]

Elaborate please . I put Tcs

Did they ask you to enter your employer address or email ID?
For Office email ID verification, did you get any OTP on your work email address?
Was your employer in the list of their preferred list?

 

[deep@vie]

Elaborate please . I put Tcs

Can ve some without verification in case of TCS

 

[vaibhav111vaibhav111 is verified member.]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Update :-
3. Third time

With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

congrat.. you finally nailed it.

 

[RockyBond]

I completed video kyc yesterday. Still no update. On status showing processing

 

[ajitshukla19]

I completed video kyc yesterday. Still no update. On status showing processing

Please update us when it approved

 

[RockyBond]

Please update us when it approved

Don't know if it will get approved. No update after vkyc

 

[kartikk]

You know what. I entered 3L salary and existing icici Sapphiro 10L card. Got wow card FD based. 😀

Smh I now have 3 Idfc enquiries on my CIBIL in 2 months. Never gonna apply for IDFC again. Entered 2 Lakhs salary(real) with no credit card It suggested a WOW FD Card.