My experience of closing idfc select card and applying for wealth card - A big fail converted to success

[RockyBond]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Update :-
3. Third time

With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Final update 29th January :-
Application approved without any home or office verification.

From failure to success. What a journey 😂

 

[Vasuki]

But do you really have a monthly income of 4L? I assume, IDFC asks you to furnish Bank Statements & Payslips

We can spare idfc in this regard .
Not everyone is bob . Asking for land papers

He applied c2c with amex as he mentioned

 

[RockyBond]

We can spare idfc in this regard .
Not everyone is bob . Asking for land papers

He applied c2c with amex as he mentioned

Ya . Via c2c

 

[KLB@96]

I still dont understand why everyone is running behind this card lol. its not a great card also there is not much difference between select and wealth .

 

[Vasuki]

I still dont understand why everyone is running behind this card lol. its not a great card also there is not much difference between select and wealth .

Love is undefined.
One whos everything for you .
Is nobody for random person

Superior card ki chull 😎

Idfc cc = intrest free atm withdrawal

Idfc wealth dc is too good even select

 

[Tensor]

I still dont understand why everyone is running behind this card lol. its not a great card also there is not much difference between select and wealth .

Lifetime free card with lounge and spa access (low spend criteria), roadside assistance, BOGO on movie tickets, accelerated rewards on threshold spends and low forex markup.

 

[Vasuki]

@Tejo @saucy
If i open idfc select / wealth in hometown
Branch is not available in website so no cc offering .
Once select/ wealth is opened .

Can i move my branch to different state ? (Bihar -- Gurugram)
With new current address ..
Or change current address & then branch


How much hassle is this !

 

[hackymanoj]

When I put my salary 3 lakhs which isn't true and existing card limit as 4.1 lakhs for Hdfc Diners club card it showed me select, it asked me for bank statement for wealth which I submitted. They will not definitely have that income I mentioned in the application.

What are the chances for approval?

 

[deep@vie]

3. Third time
With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

You forgot to thank me 😀

 

[deep@vie]

But do you really have a monthly income of 4L? I assume, IDFC asks you to furnish Bank Statements & Payslips

They doesn't ask,will do his application as C2C basis

 

[deep@vie]

When I put my salary 3 lakhs which isn't true and existing card limit as 4.1 lakhs for Hdfc Diners club card it showed me select, it asked me for bank statement for wealth which I submitted. They will not definitely have that income I mentioned in the application.

What are the chances for approval?

Coz you didn't have 5l on your card.

 

[curios_mind_huh]

They doesn't ask,will do his application as C2C basis

I just tried. They do ask Bank statement for Wealth, but not for Select

 

[deep@vie]

I just tried. They do ask Bank statement for Wealth, but not for Select

I don't think so, let's await few days

 

[hackymanoj]

Coz you didn't have 5l on your card.

Unfortunately ICICI amazon pay is not in the drop-down which has 5 lakhs limit.

So you think the approval might be difficult?

 

[deep@vie]

Unfortunately ICICI amazon pay is not in the drop-down which has 5 lakhs limit.

So you think the approval might be difficult?

No, in this case they don't ask for income proofs

 

[hackymanoj]

No, in this case they don't ask for income proofs

But ICICI Amazon pay is not in the drop-down. Any work around?

 

[RockyBond]

I still dont understand why everyone is running behind this card lol. its not a great card also there is not much difference between select and wealth .

For bms discount nothing else

 

[RockyBond]

You forgot to thank me 😀

Bro forget thanks, I will give you a shoutout if application gets approved 😂

 

[abhiver]

3rd time lucky

 

[deep@vie]

Bro forget thanks, I will give you a shoutout if application gets approved 😂

It'll be 👍

 

[RockyBond]

It'll be 👍

Do they do office verification or office email verification?