Got IDFC wealth credit card very easily

[Harvey_Dent]

Anyone looking to apply for IDFC wealth credit card, go through this post once

I used to apply for IDFC credit cards last year. Every time it got rejected. This time I went to a mall and applied through an agent there.

The process was very simple. He said there are only two criteria for IDFC wealth cc. I only wanted wealth.
1. Salary 4 lakhs
OR
2. Existing card limit 4 lakhs for c2c and at least 1 year old card

I applied c2c using my ICICI apay card with 4.1 lakh limit and 1.2 years old, contray to popular belief it doesn’t work for c2c. The agent did all the application, no salary slips, no documents. Don’t know what salary he filled, but I was shown wealth and applied. I was surprised though.

Later office address verification happened on phone, I said I wfh. I was also sent a mail on my office email to verify company address and name. Process was smooth, even though their portal sucks. Approved within 3 days excluding weekend. Got same limit as apay.

I know this card is devalued now, but still it’s good for offers and dreamfolks membership, which I guess doesn’t have any minimum spends criteria.

10 days earlier I got sapphiro LTF under alumni program, and also got axis select. This is my last application of the year. Next year, I am looking to apply DCB or regalia LTF.

EDIT on 31st July: I received my card. If anyone wondering the lounge access associated with this card. Here’s the detailed info I checked on dreamfoks.

Domestic lounge: 4/qtr, can use cc or dreamfolks card. I know people might challenge this, but IDFC’s partnership with dreamfoks is a bit different compared to ICICI. Hence can use both

International lounge: 4/qtr using dreamfolks card

Railway lounge: 4/qtr. Can take 1 guest as well on that card

Domestic Airport spa: 4/qtr

Grand Total: 16, definitely worth for a LTF card

 

[Lakshya Mahani]

Salaried or Self-Employed? Having IDFC First Bank account?

My Father is salaried, he didn't had any relationship with the bank before.

 

[SSV]

he didn't had any relationship with the bank before.

This is very important...that's why he got the card...
along with good cibil and an amex card/ any good branded card..

 

[SSV]

Tomm gonna be the d-day

Best wishes.. .

 

[Lakshya Mahani]

This is very important...that's why he got the card...
along with good cibil and an amex card/ any good branded card..

Yeah, you are correct, just before applying, i checked cibil it was 790, so cibil was ok and rest all parameters were ok. For the first time, AmEx helped me to get a good card

 

[Lakshya Mahani]

Just wanted to know if we can get the dreamfolks card with wealth card or not?

 

[samm255]

AmEx helped me to get a good card

Yes, Amex has its own power. Someone shared a trick to get IDFC wealth CC on this forum that you can enter your highest credit limit reported on CIBIL from any card and then enter any premium card to get wealth CC.

 

[Lakshya Mahani]

Yes, Amex has its own power. Someone shared a trick to get IDFC wealth CC on this forum that you can enter your highest credit limit reported on CIBIL from any card and then enter any premium card to get wealth CC.

yes, I can remember that too.

 

[SSV]

Just wanted to know if we can get the dreamfolks card with wealth card or not?

Yes, you will get

 

[kshitij_0]

I already am a wealth customer since last 1 year
But just have a Select card with 3L limit, which I have lost hope that they will upgrade
Hence not doing anything now

Even I am wealth now with 3.27 L Select Limit.

okay I will ask my Virtual RM , when I talk to him next time, if there is any way for you..

Bhai mere liye bhi kuchh acchi khabar sunao

 

[SSV]

Even I am wealth now with 3.27 L Select Limit.

Bhai mere liye bhi kuchh acchi khabar sunao

Unfortunately my VRM who did my wealth upgrade was now changed .
New one is fit for nothing

 

[pprakash11]

Even I am wealth now with 3.27 L Select Limit.

Bhai mere liye bhi kuchh acchi khabar sunao

Dil ka dariya beh hi gya 😂

 

[ghoshshubhabrata]

Yeah, that’s what agent said, even though website mentions 36LPA. I don’t know how much he filled for me, I guess definitely more than 2lakhs/month.

IDFC cards can be applied online too via c2c without agent. Just remember to put a high salary (>3lakhs/pm) or even with a limit of 10 lakhs on infinia, you might end up getting select😂

If I put high salary, won't they ask for payslip or ITR or any kind of income proof?

 

[ghoshshubhabrata]

I applied online and was immediately approved for first wealth without any further documents. Only CIBIL check and video KYC. Super surprised with the pace of application. Last year IDFC rejected application without providing any further information. Bank's algos works in surprising ways.

What was your existing card's limit?

Even with <2 lakh, is it possible to get idfc wealth? I have existing credit card with >5 lakh limit.

 

[kshitij_0]

If I put high salary, won't they ask for payslip or ITR or any kind of income proof?

Usually they don't

What was your existing card's limit?

Even with <2 lakh, is it possible to get idfc wealth? I have existing credit card with >5 lakh limit.

Other bank's CC limit should be above 5L

 

[ghoshshubhabrata]

Usually they don't

Other bank's CC limit should be above 5L

Yeah I did apply and it gave me Select.

I applied with 3 lakh income and 6 lakhs credit limit on existing card. Still got Select.

 

[Sriim]

Yeah I did apply and it gave me Select.

I applied with 3 lakh income and 6 lakhs credit limit on existing card. Still got Select.

+ 1 same result

 

[kshitij_0]

Yeah I did apply and it gave me Select.

I applied with 3 lakh income and 6 lakhs credit limit on existing card. Still got Select.

+ 1 same result

It's not certain that you will get wealth but chances are very high specially when you are having premium card/bank like Amex and all imo.
Which card did you guys have?

 

[Sriim]

It's not certain that you will get wealth but chances are very high specially when you are having premium card/bank like Amex and all imo.
Which card did you guys have?

I mentioned MRCC

 

[ghoshshubhabrata]

Yeah, maybe should have put more salary, not sure how their algorithm works. But Select got approved without any documents, just video Kyc. Like really seamless process.

I had applied using ICICI Sapphiro with 6 lakhs limit.

 

[avi_devdhar]

I tried to apply via c2c, didn't work. was told there is no such option.
How to apply via c2c ?