Query regarding application of IDFC First credit card

[iM23]

Someone called me today and asked if I need an IDFC credit card. I asked her which one was available for me. She couldn't clearly tell me that, just said based on my cibil I would get classic, wealth etc. I was not convinced and didn't show interest. But then I remembered, I tried to apply from my side in January 2024 and only the secured wow card was available for me. But I want a good IDFC card, for now Classic will work as it offers complementary railway lounge access. My cibil is 780+. So, should I wait a little more?

 

[Gaara]

Someone called me today and asked if I need an IDFC credit card.

Agents' bro agents they'll call and tell you Sir I'm from IDFC bank. Bank is offering you 5lac limit no documents required, and if you tell them you already have IDFC card, they will be like - Sir AU ka Lelo, ya RBL ka 😂

 

[Kumar93196]

Someone called me today and asked if I need an IDFC credit card. I asked her which one was available for me. She couldn't clearly tell me that, just said based on my cibil I would get classic, wealth etc. I was not convinced and didn't show interest. But then I remembered, I tried to apply from my side in January 2024 and only the secured wow card was available for me. But I want a good IDFC card, for now Classic will work as it offers complementary railway lounge access. My cibil is 780+. So, should I wait a little more?

You can try reapplying now you might get other card except WOW. what's your current residence pincode?

 

[Vasuki]

Agents' bro agents they'll call and tell you Sir I'm from IDFC bank. Bank is offering you 5lac limit no documents required, and if you tell them you already have IDFC card, they will be like - Sir AU ka Lelo, ya RBL ka 😂

Pin point. .

 

[s1t2y3a3m6]

Someone called me today and asked if I need an IDFC credit card. I asked her which one was available for me. She couldn't clearly tell me that, just said based on my cibil I would get classic, wealth etc. I was not convinced and didn't show interest. But then I remembered, I tried to apply from my side in January 2024 and only the secured wow card was available for me. But I want a good IDFC card, for now Classic will work as it offers complementary railway lounge access. My cibil is 780+. So, should I wait a little more?

If you have other unsecure cards then wait and build a strong credit profile. So after that you are eligible by every bank not only IDFC.

Wait for 6 months without a single new enquiry.

Also Pincode matter first, look through this eligibility.

 

[Vasuki]

what's your current residence pincode

The
O G question for Idfc

 

[Gaara]

I asked her which one was available for me. She couldn't clearly tell me that

These agents or bank employees can't tell you which card you'll get Until they fill your details and check eligibility but to convince you to start the application prosses they'll tell you, you are eligibile for high limit and top variant card.

 

[Kumar93196]

These agents or bank employees can't tell you which card you'll get Until they fill your details and check eligibility but to convince you to start the application prosses they'll tell you high limit and top variant card.

😂 Same here I always ask them highest existing cc they have and tell them which cc they can get.... Sometimes miracle happens like some with 2 lac existing cc gets 7 lac wealth and sometimes gold charge card user gets FD cc... So no one can't be sure until they apply

 

[Vasuki]

😂 Same here I always ask them highest existing cc they have and tell them which cc they can get.... Sometimes miracle happens like some with 2 lac existing cc gets 7 lac wealth and sometimes gold charge card user gets FD cc... So no one can't be sure until they apply

In my experience..
It's all about
1 - pincode
2- old application lead stuck ..so u need to clear it out using customer care

 

[Kumar93196]

In my experience..
It's all about
1 - pincode
2- old application lead stuck ..so u need to clear it out using customer care

3rd one is credit utilisation.

 

[Vasuki]

3rd one is credit utilisation.

R you a banker or associate agent

 

[Kumar93196]

R you a banker or associate agent

Agent 😎 .

 

[iM23]

If you have other unsecure cards then wait and build a strong credit profile. So after that you are eligible by every bank not only IDFC.

Wait for 6 months without a single new enquiry.

Also Pincode matter first, look through this eligibility.

Just based on the CIBIL score, I don't think I can say that my credit profile is super strong, maybe that is the case for 800+ score. I don't know. But I have credit cards of 4 major banks and credit utilisation is generally 3-4%.

When I tried to apply last time, they didn't show an issue with pincode as far as I can recall.

 

[iM23]

3rd one is credit utilisation.

My utilisation is generally 3-4%.

 

[iM23]

Agent 😎 .

Does it make a difference in case of IDFC cards whether it is applied through agent or not? Saying because I can't provide any income documents, so if I apply from my side, don't know the income proof is mandatory or not.

 

[Vasuki]

Does it make a difference in case of IDFC cards whether it is applied through agent or not? Saying because I can't provide any income documents, so if I apply from my side, don't know the income proof is mandatory or not.

What's ur highest limit card & city ?
Based on it u will get idfc cc .no doc required


For indusind - going through agent is best

 

[Kumar93196]

Does it make a difference in case of IDFC cards whether it is applied through agent or not? Saying because I can't provide any income documents, so if I apply from my side, don't know the income proof is mandatory or not.

It makes a bit different like...
Agent knows what to mention and what not.
And in case of rejection agents are able to tell you the exact reason of rejection or how to cure.

 

[iM23]

What's ur highest limit card & city ?
Based on it u will get idfc cc .no doc required


For indusind - going through agent is best

1,07,000 is the highest limit and the pincode is 732101. With that limit and credit profile, which card may I get in the C2C method?

You can try reapplying now you might get other card except WOW. what's your current residence pincode?

 

[Vasuki]

1,07,000 is the highest limit and the pincode is 732101.

1.7 lakh right? - millennia /select
Or 10.7 lakh ? - wealth

Idfc online application is C2C ..
There is option to choose existing card
Most they do is home verification .

No idea about pincode if it's metro it's serviceable.
Try online application ..call idfc customer care
Ok 1800 10 888 ..they will help you apply or
Contact @varun__goel_ for affiliate link 🌚

 

[iM23]

1.7 lakh right? - millennia /select
Or 10.7 lakh ? - wealth

Idfc online application is C2C ..
There is option to choose existing card
Most they do is home verification .

No idea about pincode if it's metro it's serviceable.
Try online application ..call idfc customer care
Ok 1800 10 888 ..they will help you apply or
Contact @varun__goel_ for affiliate link 🌚

Thank you.
No, not 1.7 lakh, it's 1 lakh 7 thousand. With this limit, I can get only classic?

And no, it's not a metro city, a town.

Sorry, no home verification has been done for any of my cards before. So, what do they verify in home verificaton? Do they also verify the business address and business details?