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My IDFC Wealth Card Success Story

sjmajumder

sjmajumder

TF Legend
I got the IDFC First Select Card at my first attempt in March 2022 with a CL of 3L. Six months down the line I requested an upgrade to Wealth card. They said card cannot be upgraded to wealth with CL of 3L. They asked for my 3 months income proof for LE but after validating the same didn't even give any LE and declined the upgrade request to wealth. Tried again after another 6 months and again faced same story. After another 6 months they finally gave a LE of 30K but declined upgrade to Wealth. That is when I came across some threads sharing the trick to get the Wealth card. But as I had just taken a BT offer I had to wait till 10th May to get the rewards of the BT offer before I could close the select card. Reward redemption, payment of reward redemption fee took some time but finally got the Select card closed on 22nd May.

I tried applying for the Wealth card immediately after getting the card closure SMS but kept getting error message saying previous application is in process. As suggested in the other threads I used different mobile number but kept getting the same error so finally wrote to customer support. Surprisingly, they asked me to apply from the app and it worked. I entered monthly salary as Rs. 3,30,000 and selected existing card as HDFC Regalia Card with CL=8L. It showed me Wealth card with CL=10L.

I submitted my application on 24th May and completed VKYC. First attempt at VKYC was a failure as I tried from laptop and PAN card image was not captured well through the laptop camera. Tried again from mobile and this time VKYC was successful. Subsequently got SMS for CIBIL hit as well. But I kept on getting SMS for completing KYC and on clicking on VKYC link it was taking me to the new application page. Called customer care, they said status is showing as KYC pending.

So, finally on 28th May I decided to click on the home KYC link and scheduled a home KYC for 30th May. Till now application status was shown as VKYC after scheduling home KYC the status was shown as EKYC and Application Submitted status was ticked along with current date time stamp.

The person arrived much later than the scheduled slot. He did only Aadhaar biometric validation. Application verified was ticked with the date time stamp.

Next day afternoon got the SMS card is approved and I was able to see the card in the app.

Thanks to Technofino and fellow members for sharing the trick using which I finally got the card. Although the card has lost its glory after the recent devaluation, it still is my first Visa Infinite card.

1717232957093.png

Update:
3rd June: Card received through Bluedart.
4th June: Dreamfolks card received through Bluedart.
 
Last edited:
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IDFC is declining addon card for my wife for my Wealth card. Not giving any reason apart from 'internal policy'.

My wife was holding addon for my select card. What could be the reason for declining Wealth addon card? What action can I take? I have already spent 2L+ in 1st month.

@SSV
 
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sjmajumder said:
IDFC is declining addon card for my wife for my Wealth card. Not giving any reason apart from 'internal policy'.

My wife was holding addon for my select card. What could be the reason for declining Wealth addon card? What action can I take? I have already spent 2L+ in 1st month.

@SSV
Click to expand...
In backend your wife's first select is yet not closed, the reason why wealth add-on is getting declined.
I have been there and faced that.
Contact IDFC Social Media Team and tell to cancel IDFC Select Add on permanently so that you can apply afresh. They will liaise with the internal team and will come back with a positive revert.
 
Upvote 0 Downvote
sjmajumder said:
IDFC is declining addon card for my wife for my Wealth card. Not giving any reason apart from 'internal policy'.

My wife was holding addon for my select card. What could be the reason for declining Wealth addon card? What action can I take? I have already spent 2L+ in 1st month.

@SSV
Click to expand...
pprakash11 said:
In backend your wife's first select is yet not closed, the reason why wealth add-on is getting declined.
I have been there and faced that.
Contact IDFC Social Media Team and tell to cancel IDFC Select Add on permanently so that you can apply afresh. They will liaise with the internal team and will come back with a positive revert.
Click to expand...
++ 1 ..
 
Upvote 0 Downvote
pprakash11 said:
In backend your wife's first select is yet not closed, the reason why wealth add-on is getting declined.
I have been there and faced that.
Contact IDFC Social Media Team and tell to cancel IDFC Select Add on permanently so that you can apply afresh. They will liaise with the internal team and will come back with a positive revert.
Click to expand...
SSV said:
++ 1 ..
Click to expand...
Messaged IDFC on Twitter...let's see how it goes.
 
Upvote 0 Downvote
pprakash11 said:
In backend your wife's first select is yet not closed, the reason why wealth add-on is getting declined.
I have been there and faced that.
Contact IDFC Social Media Team and tell to cancel IDFC Select Add on permanently so that you can apply afresh. They will liaise with the internal team and will come back with a positive revert.
Click to expand...
SSV said:
++ 1 ..
Click to expand...
Thanks @pprakash11 @SSV. It worked. They took 2 days to call me and 2 days after that to resolve the issue. The application that I submitted earlier got approved, I didn't have to do anything. VKYC link came on SMS on 4th. On completing VKYC on 5th card was generated same day. Yet to receive it.

I asked them what was the issue and they said technical glitch. I asked whether Select addon card was still active to that they said No. Told them I am a SW Architect and would like to understand the issue but they didn't disclose anything further. Then I asked why did banker@idfcfirstbank.com replied saying card declined due to bank's internal policies? And this time I was taken aback at their answer...they said that's the first level support and whenever a card is declined they will simply send a response saying "it is due to bank's internal policies" - what a disclosure, unfortunately I didn't have call recording on.
 
Last edited:
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sjmajumder said:
I got the IDFC First Select Card at my first attempt in March 2022 with a CL of 3L. Six months down the line I requested an upgrade to Wealth card. They said card cannot be upgraded to wealth with CL of 3L. They asked for my 3 months income proof for LE but after validating the same didn't even give any LE and declined the upgrade request to wealth. Tried again after another 6 months and again faced same story. After another 6 months they finally gave a LE of 30K but declined upgrade to Wealth. That is when I came across some threads sharing the trick to get the Wealth card. But as I had just taken a BT offer I had to wait till 10th May to get the rewards of the BT offer before I could close the select card. Reward redemption, payment of reward redemption fee took some time but finally got the Select card closed on 22nd May.

I tried applying for the Wealth card immediately after getting the card closure SMS but kept getting error message saying previous application is in process. As suggested in the other threads I used different mobile number but kept getting the same error so finally wrote to customer support. Surprisingly, they asked me to apply from the app and it worked. I entered monthly salary as Rs. 3,30,000 and selected existing card as HDFC Regalia Card with CL=8L. It showed me Wealth card with CL=10L.

I submitted my application on 24th May and completed VKYC. First attempt at VKYC was a failure as I tried from laptop and PAN card image was not captured well through the laptop camera. Tried again from mobile and this time VKYC was successful. Subsequently got SMS for CIBIL hit as well. But I kept on getting SMS for completing KYC and on clicking on VKYC link it was taking me to the new application page. Called customer care, they said status is showing as KYC pending.

So, finally on 28th May I decided to click on the home KYC link and scheduled a home KYC for 30th May. Till now application status was shown as VKYC after scheduling home KYC the status was shown as EKYC and Application Submitted status was ticked along with current date time stamp.

The person arrived much later than the scheduled slot. He did only Aadhaar biometric validation. Application verified was ticked with the date time stamp.

Next day afternoon got the SMS card is approved and I was able to see the card in the app.

Thanks to Technofino and fellow members for sharing the trick using which I finally got the card. Although the card has lost its glory after the recent devaluation, it still is my first Visa Infinite card.

View attachment 55766

Update:
3rd June: Card received through Bluedart.
4th June: Dreamfolks card received through Bluedart.
Click to expand...
With a salary of 3.3Lpm, you should be applying for infinia.
 
Upvote 0 Downvote
sjmajumder said:
It is a LTF Visa Infinite. May have lost its glory but you never know when it gets revalued. No harm in taking or keeping it.
Click to expand...
Bro a small as me too hold IDFC wealth credit card just because it's LTF and giving atleast BOGO offer on Paytm app. As it is visa infinite card, can we also use buy 1 get 1 movie ticket offer on bookmyshow aswell.

Can anyone pls confirm who might have used this as in bookmyshow there is a buy 1 get 1 movie ticket offer for visa infinite cards
 
Upvote 0 Downvote
girish3456 said:
Bro a small as me too hold IDFC wealth credit card just because it's LTF and giving atleast BOGO offer on Paytm app. As it is visa infinite card, can we also use buy 1 get 1 movie ticket offer on bookmyshow aswell.

Can anyone pls confirm who might have used this as in bookmyshow there is a buy 1 get 1 movie ticket offer for visa infinite cards
Click to expand...
BMS Visa Infinite BOGO works.

But limited quota.
 
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