Ways to get IDFC First Wealth Credit Card

[kashyapaditya256]

Hi,

Is there any way to get IDFC Bank Wealth Credit Card.

I got IDFC Millennia Credit Card a year ago, but always wanted to get IDFC's higher variant Credit Card.

Did open a savings bank account with a 1L+ MAB to improve relationship. Tried several times through mailing customer care for and upgrade, but of no avail.

Since Wealth Credit is one of the premium credit cards on LTF criteria, it has been long on my wishlist.

Can someone please help me out in tips or tricks to attain the Wealth Credit Card or how to get a response from IDFC Bank since they are extremely dormant in responding.

 

[Wealth is my birth right!]

Keep us posted please

Sure dude
Yet to get the callback hope they r busy with year end

 

[sharpened]

Sure dude
Yet to get the callback hope they r busy with year end

I called and requested for a limit increase even though my account is less than 6 months old. They gave me a ref number and said we've granted you an exception but we'll need to see your income docs over email.

Will send that over now, hopefully it'll put me beyond the 4L mark and i won't have to apply for another card.

 

[Wealth is my birth right!]

I called and requested for a limit increase even though my account is less than 6 months old. They gave me a ref number and said we've granted you an exception but we'll need to see your income docs over email.

Will send that over now, hopefully it'll put me beyond the 4L mark and i won't have to apply for another card.

Oh they have this route also?
In my case they said no doc but 6 months gap required

 

[sharpened]

Oh they have this route also?
In my case they said no doc but 6 months gap required

Yeah, because I confirmed my new ITR is higher than the one I submitted during the application stage.

But I'll have to file 22-23 ITR Apr 1st onwards and then send it over.

 

[vaibhav111vaibhav111 is verified member.]

Sure glad it helps someone

Not an issue if I redeem it’s like wasting the coupon let someone use it
In august if offers exist i utilise

so it has 3 month validy the amazon voucher from today to june 30th 2023 for me so you can calculate and take the voucher according to that.

 

[Wealth is my birth right!]

so it has 3 month validy the amazon voucher from today to june 30th 2023 for me so you can calculate and take the voucher according to that.

Sure
Thanks for providing the dates

 

[ADITYA1904]

Can we give higher limit statements of other banks like hdfc axis icici for wealth card upgrade from select?

 

[vaibhav111vaibhav111 is verified member.]

Can we give higher limit statements of other banks like hdfc axis icici for wealth card upgrade from select?

Nope only salary slip or ITR

 

[Wealth is my birth right!]

Can we give higher limit statements of other banks like hdfc axis icici for wealth card upgrade from select?

Mostly the wealth algorithm works on cibil data not only score other things like work company, salary, highest card limit etc

 

[ADITYA1904]

I

Mostly the wealth algorithm works on cibil data not only score other things like work company, salary, highest card limit etc

Mostly the wealth algorithm works on cibil data not only score other things like work company, salary, highest card limit etc

Today i applied for 2 idfc cards for my family members and i try 2 different things in both applications

1) in my brother application i put monthly income 3L and credit card-hdfc diners club miles with 7.7L limit-select showing 2L limit without income proof-self employed

2) so i try different in my wife application, i put monthly income 3.25L and credit card-icici coral with 5.5L limit-select showing 2L limit without income proof-self employed even though she has hdfc regalia with 8.47L limit but as you know limit not showing in cibil so i try icici card still same response because in 1st application i try hdfc card still select 2L limit

So how do we get wealth? Even i have select with 2L limit all other cards like infinia, sc ultimate, magnus etc still

 

[Wealth is my birth right!]

I


Today i applied for 2 idfc cards for my family members and i try 2 different things in both applications

1) in my brother application i put monthly income 3L and credit card-hdfc diners club miles with 7.7L limit-select showing 2L limit without income proof-self employed

2) so i try different in my wife application, i put monthly income 3.25L and credit card-icici coral with 5.5L limit-select showing 2L limit without income proof-self employed even though she has hdfc regalia with 8.47L limit but as you know limit not showing in cibil so i try icici card still same response because in 1st application i try hdfc card still select 2L limit

So how do we get wealth? Even i have select with 2L limit all other cards like infinia, sc ultimate, magnus etc still

Both scenarios select only that’s a bit confusing
Looks like we need some insider in idfc to crack this

 

[vaibhav111vaibhav111 is verified member.]

I


Today i applied for 2 idfc cards for my family members and i try 2 different things in both applications

1) in my brother application i put monthly income 3L and credit card-hdfc diners club miles with 7.7L limit-select showing 2L limit without income proof-self employed

2) so i try different in my wife application, i put monthly income 3.25L and credit card-icici coral with 5.5L limit-select showing 2L limit without income proof-self employed even though she has hdfc regalia with 8.47L limit but as you know limit not showing in cibil so i try icici card still same response because in 1st application i try hdfc card still select 2L limit

So how do we get wealth? Even i have select with 2L limit all other cards like infinia, sc ultimate, magnus etc still

It seem like first take select use for some month or 1 yr then IDFC have your spend pattern and then you become eligible for wealth. Cause you tried everything right it seem.

 

[anirban.choudhuryanirban.choudhury is verified member.]

I


Today i applied for 2 idfc cards for my family members and i try 2 different things in both applications

1) in my brother application i put monthly income 3L and credit card-hdfc diners club miles with 7.7L limit-select showing 2L limit without income proof-self employed

2) so i try different in my wife application, i put monthly income 3.25L and credit card-icici coral with 5.5L limit-select showing 2L limit without income proof-self employed even though she has hdfc regalia with 8.47L limit but as you know limit not showing in cibil so i try icici card still same response because in 1st application i try hdfc card still select 2L limit

So how do we get wealth? Even i have select with 2L limit all other cards like infinia, sc ultimate, magnus etc still

It’s more from Cibil and less from what you enter.

 

[ADITYA1904]

Cib

It’s more from Cibil and less from what you enter.

Cibil is more than 780

 

[anirban.choudhuryanirban.choudhury is verified member.]

Cib

Cibil is more than 780

Not the score , I meant the entire report
Banks mostly ignore the score and derive from the report instead

 

[hks789]

Even i had hdfc infinia with 8L and highest credit limit reported in cibil 7.7 L still they gave me select so dont know how it works

How old was this card?

 

[ADITYA1904]

How old was this card?

Hdfc Card is around 9-10 years old upgraded infinia to 2-3 years before

 

[jack333]

I think the old credit account continues in upgrade. So from cibil they'll get the age9-10 only

 

[vaibhav111vaibhav111 is verified member.]

Congrats. Keep an eye on CIBIL, since now you closed one and opened another card, sometimes during monthly reports IDFC updates both cards as active to CIBIL. If that happens, you have to send official report along with NOC mail to update properly.

Yeah for noc how do I approach to IDFC just email for noc?

 

[Jetstone]

I gave 3.1L as net salary in the dropbox, still it showed my select card with 1.5L limit. IDFC is very weird. Also my company name was in the list as well.
@Wealth is my birth right! Anyhow i cancelled the application. If I try again with higher salary, will the bank do another CIBIL hit or not?

From my experience, I think IDFC does a soft enquiry with CIBIL for the offer phase as the multiple tries I made to get the system to show me the wealth card do not show up in my CIBIL report. There's only one hit for the actual application approval.