Getting an IDFC First Credit Card

[OverdosingOnCopium]

I have DCB, Axis Select and Axis Privilege (all LTF) and with limits above 5lakhs. But, the best IDFC First can offer me is their secured wow card for some bizarre reason. I opened an account with them a month ago and for some reason they opened salary account instead of savings. My salary gets credited in HDFC so I don’t know why IDFC did this and am not sure what will happen with this account in the future but I still have been unable to get an unsecured credit card from IDFC First.

Will maintaining 2 lakhs in this account make any changes or is just a waiting game? I have recently applied a month ago so I don’t think I will be able to reapply for the next 6 months, right?

 

[jeevanreddy58]

what is devaluation here ?

 

[Sunil R]

I have DCB, Axis Select and Axis Privilege (all LTF) and with limits above 5lakhs. But, the best IDFC First can offer me is their secured wow card for some bizarre reason. I opened an account with them a month ago and for some reason they opened salary account instead of savings. My salary gets credited in HDFC so I don’t know why IDFC did this and am not sure what will happen with this account in the future but I still have been unable to get an unsecured credit card from IDFC First.

Will maintaining 2 lakhs in this account make any changes or is just a waiting game? I have recently applied a month ago so I don’t think I will be able to reapply for the next 6 months, right?

r u applying via the C2C method? If so, did you use the card with the highest limit?

Serviceable location also matters in IDFC.
Unlike other banks, IDFC doesn't have a cooling period. I was able to close the classic card and applied again on the same day (wealth approved). Check my post.

Closed IDFC Classic CC - reapplied - successfully obtained Wealth CC

Hi folks, On February 24th, I initiated closure request for my one-year-old IDFC Classic credit card (1L limit). I received call from CC on Feb 25th urging me to reconsider my request, requiring me to submit 3-month payslips/salary credit bank statement to banker@idfcfirstbank.com...

www.technofino.in

 

[bvc19296]

I have DCB, Axis Select and Axis Privilege (all LTF) and with limits above 5lakhs. But, the best IDFC First can offer me is their secured wow card for some bizarre reason. I opened an account with them a month ago and for some reason they opened salary account instead of savings. My salary gets credited in HDFC so I don’t know why IDFC did this and am not sure what will happen with this account in the future but I still have been unable to get an unsecured credit card from IDFC First.

Will maintaining 2 lakhs in this account make any changes or is just a waiting game? I have recently applied a month ago so I don’t think I will be able to reapply for the next 6 months, right?

There is no devaluation here. So please don't mark it with devaluation tag. Suddenly everyone will be shocked to see that. Edited to normal.

 

[bvc19296]

r u applying via the C2C method? If so, did you use the card with the highest limit?

Serviceable location also matters in IDFC.
Unlike other banks, IDFC doesn't have a cooling period. I was able to close the classic card and applied again on the same day (wealth approved). Check my post.

Closed IDFC Classic CC - reapplied - successfully obtained Wealth CC

Hi folks, On February 24th, I initiated closure request for my one-year-old IDFC Classic credit card (1L limit). I received call from CC on Feb 25th urging me to reconsider my request, requiring me to submit 3-month payslips/salary credit bank statement to banker@idfcfirstbank.com...

www.technofino.in

Once core card approved you can apply co branded card on the same day.

 

[vaibhav111]

r u applying via the C2C method? If so, did you use the card with the highest limit?

Serviceable location also matters in IDFC.
Unlike other banks, IDFC doesn't have a cooling period. I was able to close the classic card and applied again on the same day (wealth approved). Check my post.

Closed IDFC Classic CC - reapplied - successfully obtained Wealth CC

Hi folks, On February 24th, I initiated closure request for my one-year-old IDFC Classic credit card (1L limit). I received call from CC on Feb 25th urging me to reconsider my request, requiring me to submit 3-month payslips/salary credit bank statement to banker@idfcfirstbank.com...

www.technofino.in

wow from classis to wealth, nicely done.

 

[Vasuki]

I have DCB, Axis Select and Axis Privilege (all LTF) and with limits above 5lakhs. But, the best IDFC First can offer me is their secured wow card for some bizarre reason. I opened an account with them a month ago and for some reason they opened salary account instead of savings. My salary gets credited in HDFC so I don’t know why IDFC did this and am not sure what will happen with this account in the future but I still have been unable to get an unsecured credit card from IDFC First.

Will maintaining 2 lakhs in this account make any changes or is just a waiting game? I have recently applied a month ago so I don’t think I will be able to reapply for the next 6 months, right?

Pincode must be the problem ..

Else c2c it should show u select/. Wealth

 

[bvc19296]

r u applying via the C2C method? If so, did you use the card with the highest limit?

Serviceable location also matters in IDFC.
Unlike other banks, IDFC doesn't have a cooling period. I was able to close the classic card and applied again on the same day (wealth approved). Check my post.

Closed IDFC Classic CC - reapplied - successfully obtained Wealth CC

Hi folks, On February 24th, I initiated closure request for my one-year-old IDFC Classic credit card (1L limit). I received call from CC on Feb 25th urging me to reconsider my request, requiring me to submit 3-month payslips/salary credit bank statement to banker@idfcfirstbank.com...

www.technofino.in

I have seen this, that was good jump.

 

[OverdosingOnCopium]

what is devaluation here ?

IDFC First is devaluating my portfolio

 

[OverdosingOnCopium]

r u applying via the C2C method? If so, did you use the card with the highest limit?

Serviceable location also matters in IDFC.
Unlike other banks, IDFC doesn't have a cooling period. I was able to close the classic card and applied again on the same day (wealth approved). Check my post.

Closed IDFC Classic CC - reapplied - successfully obtained Wealth CC

Hi folks, On February 24th, I initiated closure request for my one-year-old IDFC Classic credit card (1L limit). I received call from CC on Feb 25th urging me to reconsider my request, requiring me to submit 3-month payslips/salary credit bank statement to banker@idfcfirstbank.com...

www.technofino.in

I checked and my location is definitely serviceable. my mother has a card from them too.

How does one apply c2c?

 

[bvc19296]

I checked and my location is definitely serviceable. my mother has a card from them too.

How does one apply c2c?

Even from rural or Tier - 3 branches of IDFC one can pre approved card, but for application and approval for Select and Wealth via c2c your pincode should be eligible for physical verification.

In my case I had to change pincode to get it approved even though branch is located in my location.

Tier-1,2 Metro pincodes work fine. In your mother case was that pre approved or applied online??

 

[OverdosingOnCopium]

Even from rural or Tier - 3 branches of IDFC one can pre approved card, but for application and approval for Select and Wealth via c2c your pincode should be eligible for physical verification.

In my case I had to change pincode to get it approved even though branch is located in my location.

Tier-1,2 Metro pincodes work fine. In your mother case was that pre approved or applied online??

She applied online and I have gone through that list of approved pin-codes posted here and my pin-code is in it.

 

[Sunil R]

I checked and my location is definitely serviceable. my mother has a card from them too.

How does one apply c2c?

"already have a credit card" - select that toggle and enter the card details


enter sal above 3L in application , if ur current number is throwing error ..use second number and apply / u can change later

Tip : prefer the card which has high limit ... if u cant find ur card varaint choose any card vairant in dropdown (I had magnus of 15L - in drop down couldnt find so selected Ace instead.)

 

[bvc19296]

She applied online and I have gone through that list of approved pin-codes posted here and my pin-code is in it.

How much have mentioned on the salary range per month when you are applying c2c??

 

[bvc19296]

"already have a credit card" - select that toggle and enter the card details

Tip : prefer the card which has high limit ... if u cant find ur card varaint choose any card vairant in dropdown (I had magnus of 15L - in drop down couldnt find so selected Ace instead.)

Yes variant doesn't matter because in CIBIL it is reported as card with bank name only.

 

[Vasuki]

She applied online and I have gone through that list of approved pin-codes posted here and my pin-code is in it.

Problem would be that . It must have been the case where old application lead doesn't get deleted ..
Many ppl complained about it

Contact customer care for old application lead deletion

 

[bvc19296]

Problem would be that . It must have been the case where old application lead doesn't get deleted ..
Many ppl complained about it

Contact customer care for old application lead deletion

IDFC credit card - Delete pending online application

Hi all, I found a way to delete the pending online application in IDFC First credit card. This can be used by people who have entered their DOB, mobile number and got the OTP. After entering the OTP, if you had selected the card details, it will show you which card you are eligible for. In...

www.technofino.in

Refer to this for deleting the application lead. @OverdosingOnCopium

 

[anisharya16]

I have DCB, Axis Select and Axis Privilege (all LTF) and with limits above 5lakhs. But, the best IDFC First can offer me is their secured wow card for some bizarre reason. I opened an account with them a month ago and for some reason they opened salary account instead of savings. My salary gets credited in HDFC so I don’t know why IDFC did this and am not sure what will happen with this account in the future but I still have been unable to get an unsecured credit card from IDFC First.

Will maintaining 2 lakhs in this account make any changes or is just a waiting game? I have recently applied a month ago so I don’t think I will be able to reapply for the next 6 months, right?

It's pincode issue.

 

[OverdosingOnCopium]

"already have a credit card" - select that toggle and enter the card details


enter sal above 3L in application , if ur current number is throwing error ..use second number and apply / u can change later

Tip : prefer the card which has high limit ... if u cant find ur card varaint choose any card vairant in dropdown (I had magnus of 15L - in drop down couldnt find so selected Ace instead.)

I was already entering a salary above 3 as mine is. And I was also inputting my Axis cards there so I guess I was doing c2c already yet still not approved. I will keep in mind the tip about the phone number. Thanks.

 

[Sunil R]

I was already entering a salary above 3 as mine is. And I was also inputting my Axis cards there so I guess I was doing c2c already yet still not approved. I will keep in mind the tip about the phone number. Thanks.

if ur sal is above 3L .. input the same ... incase wealth card is approved and asking for doucuments it wouldnt be if problem?