IDFC Bank Credit Card Application Processing Delayed

[vamsikrishna1997]

I have applied and IDFC Bank Credit Card via their agents in a mall on 4th January 2025 and when it's processed they said I'll get the card for sure post verification and it showed that by 13 th I'll get the card. But that date was always keeps on changing and currently it's 31st Jan now.
The application was still under verification. Don't know how to check with them and speed up the process? Please help with that.

 

[Anindya98]

Bro, sry. I didn't get you
What should I wait for?

Because of the financial year ending all banks trying to issue more cards.

Will they reject my application now? If yes, what will be the possible reason?

Not picking up the call for verification. Also, your cibil is under 750 which is a red flag for most banks.

Also, I don't want to do anything now which will reduce the chances of getting the card.
I haven't selected any but the agent who applied for me said I'll get " select " card but in the application tracking page it's showing as millennia.

Which card did you use for C2C, card age and limit?
They will give you Millenia.

 

[vamsikrishna1997]

Because of the financial year ending all banks trying to issue more cards.

Not picking up the call for verification. Also, your cibil is under 750 which is a red flag for most banks.

Which card did you use for C2C, card age and limit?
They will give you Millenia.

I think they will show the card because the application was verified even without the house verification and I was not able to attend the call.
Yes yes my CIBIL score was a bit slow now but I have many other cards which there isn't single late payment and I am using the well and repaying on time so they might consider I am a worthy person.
Actually I haven't applied it as a card to card like I didn't shared any details about my existing card to the agent who applied my card but when I reach Road to the email team and they said my application was applied based on card to card then they asked me to share the latest statement of that card which I have done the same that card was BPCL octane credit card and its limit was 81 k.

 

[drvenkat]

I have applied and IDFC Bank Credit Card via their agents in a mall on 4th January 2025 and when it's processed they said I'll get the card for sure post verification and it showed that by 13 th I'll get the card. But that date was always keeps on changing and currently it's 31st Jan now.
The application was still under verification. Don't know how to check with them and speed up the process? Please help with that.

request for address verification by escalating

 

[vamsikrishna1997]

request for address verification by escalating

I think it's waste of time now, I have already escalated when they're not willing to reach out to me via email to pno but still they rejected the application stating that they're unable to verify the address so rejecting it.

It's normal for them to reject the applications stating one or another reason and their verification team is the worst of all banks.
They didn't even called me again as I was already on a call when they tried to reach and when I called back they didn't even attend it once even though I tried multiple times

 

[drvenkat]

I think it's waste of time now, I have already escalated when they're not willing to reach out to me via email to pno but still they rejected the application stating that they're unable to verify the address so rejecting it.

It's normal for them to reject the applications stating one or another reason and their verification team is the worst of all banks.
They didn't even called me again as I was already on a call when they tried to reach and when I called back they didn't even attend it once even though I tried multiple times

if that's the case then good riddance anyway these cards are almost good for nothing now

 

[Anindya98]

I think it's waste of time now, I have already escalated when they're not willing to reach out to me via email to pno but still they rejected the application stating that they're unable to verify the address so rejecting it.

Yes, they attempted to contact you, but you were unable to answer the call for some reason. As a result, the process followed its natural course, leading to the rejection of the card. You may now send them an email requesting a re-verification, or you can choose to move on, as there are no significant benefits left with the card, as mentioned by @drvenkat.

 

[runzone]

Does CIBIL Enquiry happen as soon as we submit the application? If not at what stage IDFC does the cibil enquiry?

 

[Anindya98]

Does CIBIL Enquiry happen as soon as we submit the application?

yes

If not at what stage IDFC does the cibil enquiry?

before showing the cards

 

[runzone]

yes

before showing the cards

I applied IDFC pre-approved Millenia CC for my brother. I just entered the name, dob and mobile number and it showed me the cards. I am not very sure if they did any CIBIL Enquiry because my brother doesn't have any CIBIL Score yet.

But now the application status is stuck at application verification stage (3rd step). As it was preapproved it should have been a instant approval. Not sure what what I missed. Please help 🙏

 

[Anindya98]

I applied IDFC pre-approved Millenia CC for my brother. I just entered the name, dob and mobile number and it showed me the cards. I am not very sure if they did any CIBIL Enquiry because my brother doesn't have any CIBIL Score yet.

But now the application status is stuck at application verification stage (3rd step). As it was preapproved it should have been a instant approval. Not sure what what I missed. Please help 🙏

They have not decided yet because your brother has no credit history. That's why the application is stuck, don't worry, 50% chance it will be approved.

 

[Boy 07]

I applied for Idfc first bank Credit card
On 25 august 2025
Actually I have given the adress of my company where I got the quarter
Next day an agent call me to varifie the office address he call me at 7 Pm at evening that time I left the office and went to around with my friend

I told him that I am not there but office staff there he went and did office varification click the pictures and selfie with staff person and ask about me and went ?
Are there chances to get the card

 

[praful1947]

I applied for Idfc first bank Credit card
On 25 august 2025
Actually I have given the adress of my company where I got the quarter
Next day an agent call me to varifie the office address he call me at 7 Pm at evening that time I left the office and went to around with my friend

I told hime that I am not there but office staff there he went and did office varification click the pictures and selfie with staff person and ask about me and went ?
Are there chance to get the card

Yeah 🫦 you will get the card .

 

[Boy 07]

Yeah 🫦 you will get the card .

,😜😜😜😜😜 really ?

 

[praful1947]

,😜😜😜😜😜 really ?

Yes , idfc application are card to card so if your application goes to verification stage then it's 90% approved .
Your address must be serviceable.

 

[TripleAce]

Yes , idfc application are card to card so if your application goes to verification stage then it's 90% approved .
Your address must be serviceable.

Yes.
Oh yeah, IDFC’s C2C is outstanding!!
I have oven fresh first hand experience because the third grade incident occurred yesterday only.

With great anticipation and excitement I logged into the IDFC CC application page, filled whatever was asked till I reached the C2C part where I chose bank as ‘HDFC’ but couldn’t select my variant as it was not listed there. I manually filled the card variant name and clicked ‘next’

Eureka - IDFC offered me the most exclusive card in their kitty literally - THE WOW card.
I was awestruck and the sweet words that came to my mind can’t be shared here.

CIBIL will reduce because of rejection and a secured card may increase my score was all I told my heart / brain / soul and went ahead with the card by doing a small FD!
I have requested my neighbour to lend me his Rottweiler next time when the IDFC team visits my home.

That’s my WOW STORY!!

 

[Boy 07]

Yes , idfc application are card to card so if your application goes to verification stage then it's 90% approved .
Your address must be serviceable.

Yes it's was serviceable area but some where I am in fear that agent did proper or positive reporting about varification