My experience with IDFC credit card application - Not Good

[mojo-jojo]

So a few months back I applied for IDFC credit card after receiving multiple emails from them, about a pre-approved offer:

1. A person visited my home for physical verification.
2. Received a call from CC about why my residential address and office address are in different locations. (WFH scenario)
3. For some reason, some other guy again came to my home for physical verification. When told that it was already done, he called his supervisor, confirmed it, and then simply left.
4. After a few days, received a rejection communication.
5. Now I am spam called regularly to apply for their card.

PS. Had 800+ CIBIL and cards with decent high limits from other banks already.

Is this level of service common with IDFC?

 

[ltf4ever]

yes

 

[SunnyM]

Did you apply online or offline. I applied online and my card was approved after the home verification even though my cibil was only around 760 . I had only three credit cards before this.

 

[vaibhav111vaibhav111 is verified member.]

Idfc must have started physical verification nowdays cause in Jan when i applied i did vkyc and boom virtual card was activated so it took less than 72 hr cause i did applied on Friday or Saturday..no physical verification was done

 

[mojo-jojo]

Did you apply online or offline. I applied online and my card was approved after the home verification even though my cibil was only around 760 . I had only three credit cards before this.

Online.

 

[mojo-jojo]

Idfc must have started physical verification nowdays cause in Jan when i applied i did vkyc and boom virtual card was activated so it took less than 72 hr cause i did applied on Friday or Saturday..no physical verification was done

I applied in January as well. I wonder what went wrong there.

Dear Customer,

Greetings from IDFC FIRST Bank.

Sorry! We regret to inform you that your IDFC FIRST Bank Credit Card application no xxxx has been rejected, as it does not meet our internal criteria.


Always You First,
Team IDFC FIRST Bank

 

[Batmanbaba]

Idfc must have started physical verification nowdays cause in Jan when i applied i did vkyc and boom virtual card was activated so it took less than 72 hr cause i did applied on Friday or Saturday..no physical verification was done

Their physical verification is virtual verification..... Executive just called.... From somewhere else.. Asked u live at the above mentioned address... Physical verification done.... My card got approved too

 

[vaibhav111vaibhav111 is verified member.]

Their physical verification is virtual verification..... Executive just called.... From somewhere else.. Asked u live at the above mentioned address... Physical verification done.... My card got approved too

Mine like i said was vkyc no call from idfc regarding anything after that

 

[Batmanbaba]

Mine like i said was vkyc no call from idfc regarding anything after that

There is also physical verification after vkyc if u dont have savings account with idfc..... In most cases.... I am talking about it

 

[BUDHRAJ]

what about people living in servicable city but address on aadhar is non-servicable city..
what is the process then ?
i know if you addhar address is in servicable area then approved within 24-48 hrs..

 

[mojo-jojo]

There is also physical verification after vkyc if u dont have savings account with idfc..... In most cases.... I am talking about it

fyi.. I had no account with idfc, so probably they did the physical verification.

 

[Batmanbaba]

what about people living in servicable city but address on aadhar is non-servicable city..
what is the process then ?
i know if you addhar address is in servicable area then approved within 24-48 hrs..

Then u can get... As if u enter your current address for delivery......... But they will surely do physical verification of current address then

 

[vaibhav111vaibhav111 is verified member.]

There is also physical verification after vkyc if u dont have savings account with idfc..... In most cases.... I am talking about it

yeah i don't have saving a/c with them...

 

[TheTrickySid]

Their physical verification is virtual verification..... Executive just called.... From somewhere else.. Asked u live at the above mentioned address... Physical verification done.... My card got approved too

When did you applied bro??
Which variant did you get??
Do you already have a savings account with IDFC??

 

[skvignesh]

Previously i had OneCard (idfc) when OneCard changed banking partnership.

I was getting pre approved messages, checked using my details within 1-2 mins card approved (First Classic)🔥 Fastest Ever...

But that both Millenia and Classic is useless, if you have other bank important cards.

 

[Batmanbaba]

When did you applied bro??
Which variant did you get??
Do you already have a savings account with IDFC??

i applied on 25 aug.....was approved on 28 aug....i got millenia....i had but closed in march 2022...and didt used themobile number which was in my savings account

 

[Boy 07]

I was trying to get IDFC first bank Credit card since 2022 it's always declined by saying that you had a late payment in your loan account flipkart paylater provide by IDFC .but I have sent them my Cibil report many times that there is no late payment.every time they agreed on phone call and said please try after 3 months .2 years have passed .Now I lodge a compliant to RBI let see what happened????

 

[SunnyM]

I was trying to get IDFC first bank Credit card since 2022 it's always declined by saying that you had a late payment in your loan account flipkart paylater provide by IDFC .but I have sent them my Cibil report many times that there is no late payment.every time they agreed on phone call and said please try after 3 months .2 years have passed .Now I lodge a compliant to RBI let see what happened????

So much hassle for an idfc cc is not worth it imo. I have spent barely 60000 in a year on my idfc select cc. Absolutely worthless imo. I am just keeping it as it is ltf.

 

[Boy 07]

if idfc does not want to give the card no problem i dont need it but he giving invalid reason of rejection its hurts me