Question: IDFC Card Select to Wealth

[parth]

Does anyone Know how to upgrade the card to wealth.

 

[brahmin_baniya]

They have automatically upgraded people to select. Take it till they have a proper system in place for upgrades. There's not much difference in Select and Wealth banking as of now.

Bank selects it on the basis of their own criteria. Threatening or Pressurising may work in the short term but why do you even want to do that?
Why do you want to put someone in that position?
@brahmin_baniya take your call, Wealth is almost same as Select as of now. Dont waste your time going for Wealth.

I am actually waiting for august end ,i was promised a wealth account for keeping a balance of 12 lakhs for 3 months,i took it out from 1 bank and have left it idle at idfc earning me a low 4% p.a.

To me select doesn't offer anything i need a premium card and wealth is the card i need.I will surely raise the concern if i am duped by the bank .i have always maintained a healthy balance and done all my transactions via this bank for the last 1.5 years.If it was any other bank i would have had a premium car already. If it doesn't work out i i will start looking for alternatives because one cannot wait for bank to become competent.

 

[Harry1]

• IDFC
  • alwaysyoufirst@emailers.idfcfirstbank.com
  • 1800 419 4332
  • wealthexpert@idfcfirstbank.com
  • creditcard@idfcfirstbank.com
  • banker@idfcfirstbank.com

Did you speak to any Wealth RM?

No, don't have idfc account.

 

[Harry1]

What's your existing card variant and limit? And how much are they increasing to?

Select card with little less than 2L, increasing more than double.

 

[Cierdo]

Select card with little less than 2L, increasing more than double.

If they're making it 5L, rest assured you'll get Wealth.

 

[Pramtesh]

Select card with little less than 2L, increasing more than double.

I guess for wealth minimum 4L is base limit.

 

[Harry1]

I guess for wealth minimum 4L is base limit.

That explains the limit increase request then.

 

[hariselio]

Anyone able to login to idfc mobile banking or net banking?

 

[hariselio]

I could as I'm typing this ... On my iOS app

yes, it started working for me as well.

 

[hariselio]

Nice ... Which card do you have

Wealth, today only got it approved.

 

[hariselio]

Congratulations
What limit?

5L

 

[BigdeBigde is verified member.]

Tried my luck by requesting an upgrade for my Select to Wealth, shared the necessary documents on banker@idfcfirst.com, it looks like IDFC customer care have come more complacent now, despite showing a healthy income in form of my salary slips and bank statements they refused to offer me an upgrade and asked me to wait for offers from their side. I asked them to bug off and keep their so called offers to their privileged customers.

These are the same guys who presented an option to choose IDFC wealth when I was applying for their credit cards, that time I choose select as I was not interested in their so called golf lessons which come as a freebie with IDFC wealth.

Sorry for the long rant but I am not used to such rejections and this one from IDFC has certainly irked me a lot.

 

[Pramtesh]

Tried my luck by requesting an upgrade for my Select to Wealth, shared the necessary documents on banker@idfcfirst.com, it looks like IDFC customer care have come more complacent now, despite showing a healthy income in form of my salary slips and bank statements they refused to offer me an upgrade and asked me to wait for offers from their side. I asked them to bug off and keep their so called offers to their privileged customers.

These are the same guys who presented an option to choose IDFC wealth when I was applying for their credit cards, that time I choose select as I was not interested in their so called golf lessons which come as a freebie with IDFC wealth.

Sorry for the long rant but I am not used to such rejections and this one from IDFC has certainly irked me a lot.

After 13 successful approved cards 14th card idfc was 1st to reject my application. So i started hating idfc. But after 6 months i got sms for application. Without documents, without VKYC card got approved

 

[BigdeBigde is verified member.]

After 13 successful approved cards 14th card idfc was 1st to reject my application. So i started hating idfc. But after 6 months i got sms for application. Without documents, without VKYC card got approved

Don't you find is quite erratic, at one end they are offering cards to random Joes and on other they reject applications of those with grand credit history.

 

[Pramtesh]

Don't you find is quite erratic, at one end they are offering cards to random Joes and on other they reject applications of those with grand credit history.

Yes. I just took the card kept it just because it's LTF. Used only once in 4 months.

 

[BigdeBigde is verified member.]

Yes. I just took the card kept it just because it's LTF. Used only once in 4 months.

Is it mandatory to use this card every quarter? Never came across such condition, do they deactivate this card if one does not use it or do they have any penalty associated for non usage?

 

[hariselio]

Don't you find is quite erratic, at one end they are offering cards to random Joes and on other they reject applications of those with grand credit history.

I think they are approving now for the people who have good credit history... Just got approved wealth card for myself without any prior relationship with the bank. My cibil is 801 and my credit history starts from somewhere in 2003.

 

[BigdeBigde is verified member.]

I think they are approving now for the people who have good credit history... Just got approved wealth card for myself without any prior relationship with the bank. My cibil is 801 and my credit history starts from somewhere in 2003.

My CIBIL is 791 and having credit history since 2009.

 

[hariselio]

My CIBIL is 791 and having credit history since 2009.

Ok, i misunderstood and thought you have more than 800 in cibil.

 

[BigdeBigde is verified member.]

Ok, i misunderstood and thought you have more than 800 in cibil.

Is it a prerequisite to have 800+ CIBIL score for IDFC Wealth? Also, a score of 791 is not bad at all, looks like IDFC folks think otherwise.

 

[hariselio]

Is it a prerequisite to have 800+ CIBIL score for IDFC Wealth? Also, a score of 791 is not bad at all, looks like IDFC folks think otherwise.

I really don't know, since they approved for me without any documents, I thought having 800 in cibil is good enough to get wealth card.