IDFC First Wealth easily approved

[avis_]

I am NTB customer with IDFC. I had some relationship in the past with IDFC via Flipkart Paylater which I had closed last year.

Hi Guys,

I will share my successs story of how I got approved for Wealth Credit Card from IDFC bank.

I recieved a call from sales team that I was eligible for IDFC LTF credit card. I clearly told them I am not gonna apply unless I get wealth card. She told she can apply Wealth for me and it will approve for sure.

I trusted her and followed her steps and boom the card was approved on second day and virtual card has arrived.

My monthly avg salary is ~60k and CIBIL hovers between 770 and 780


If anyone wants to apply ensure your work location and current residence is at same City. I can share the agent contact who helped me to apply.

For agent contact check message number #42

I have recieved my physical card in just 2 days check message #43

Edit 1

Update by user @_amit_
WFH so not possible for me.
In her knowledge, WFH with company address (or any company branch) not in same city usually gets rejected later on.

 

[Gaara]

I closed select and applied with new no today.
Entered salary > 3L and ICICI sapphiro card - 5.3 L limit.
Offered select card again 😓

When did your close select card?

 

[Wildcard]

When did your close select card?

Placed close request on Monday. Received closing confirmation message today.

 

[Gaara]

Placed close request on Monday. Received closing confirmation message today.

Woo, that's too quick.

 

[AllThatStuff]

I closed select and applied with new no today.
Entered salary > 3L and ICICI sapphiro card - 5.3 L limit.
Offered select card again 😓

Your CIBIL?
City: 1tier or 2tier ??

 

[Wildcard]

Your CIBIL?
City: 1tier or 2tier ??

779 cibil
Delhi

 

[sharma]

I closed select and applied with new no today.
Entered salary > 3L and ICICI sapphiro card - 5.3 L limit.
Offered select card again 😓

Then it's waste of time to close the card

 

[Gaara]

Then it's waste of time to close the card

Yup, once we should list all the differences between select and wealth 🤔

 

[Gaara]

Card Name:​	Select ​	Wealth​
Reward Rate: ​	Offline- 0.6% Online- 1.2%​	Offline- 0.75% Online- 1.5% ​
Forex Mark up​	1.99%​	1.5%​
Buy One, Get One​	up to ₹250​	up to ₹500​
Railway Lounge​	4​	4​

.

Airport lounge​	4 Domestic​	4 domestic & international spa & lounge​
Air Accident Cover​	₹1 Crore​	₹1 Crore​
Personal Accident Cover​	₹5,00,000 ​	₹10,00,000​
10x Rweards ​	10x = 2% On spends above 25K​	10x = 2.5% On spends above 30K​
​	​	​
​	​	​

 

[kskds]

I tried using Regalia Gold (had to put regalia as they don't have gold as an option), with 3.8L limit but 2 tier city (they have a branch in my location). They only offered WOW.
My brother tried, with ICICI Rubyx and 8-9L limit with Bangalore location and they still offered WOW.
Any way we could get wealth even select would be good.

I am not sure if it has to do with the credit limit of the Regalia which I used as C2C. Since my Regalia has a limit of 10L+, they gave the same limit. Interestingly, once I got the Wealth Card approved, HDFC increased the CL for the Regalia
Now I am getting multiple messages from IDFC to upgrade the Card to Club Vistara one, not sure if it's worth at all.

 

[sharma]

Card Name:​	Select ​	Wealth​
Reward Rate: ​	Offline- 0.6% Online- 1.2%​	Offline- 0.75% Online- 1.5% ​
Forex Mark up​	1.99%​	1.5%​
Buy One, Get One​	up to ₹250​	up to ₹500​
Railway Lounge​	4​	4​

.

Airport lounge​	4 Domestic​	4 domestic & international spa & lounge​
Air Accident Cover​	₹1 Crore​	₹1 Crore​
Personal Accident Cover​	₹5,00,000 ​	₹10,00,000​
10x Rweards ​	10x = 2% On spends above 25K​	10x = 2.5% On spends above 30K​
​	​	​
​	​	​

I need wealth because of b1g1

 

[Gaara]

I need wealth because of b1g1

Hope IDFC doesn't follow axis and remove those, that BOGO offer is the only reason I have IDFC card 😂

 

[bvc19296]

Hope IDFC doesn't follow axis and remove those, that BOGO offer is the only reason I have IDFC card 😂

There are many banks offering BOGO on BMS and Paytm before Axis.

I guess IndusInd, ICICI were offering for long period. This devaluation doesn't impact BOGO overall, but in future we cannot predict what banks can do. So enjoy till the party lasts.

 

[AllThatStuff]

Over leveraged in bank terms can also be a reason. What's the total reported Credit Limit in your Cibil?

How to see that...do I need to add all limits manually or is there anywhere I can find the cumulative figure?

 

[bvc19296]

How to see that...do I need to add all limits manually or is there anywhere I can find the cumulative figure?

You can get total limits on Onescore app. You can get CIBIL/Experian report free of cost once in a month.

 

[codenerd]

Finally received the card today every thing happened in just 3 days unbelievable.

Unboxing IDFC CC has been the most remarkable experience with no junk papers, carefully detailed the important information.

Was this made possible solely by the idfc agent whose contact you shared above?

 

[shadow]

I am not sure if it has to do with the credit limit of the Regalia which I used as C2C. Since my Regalia has a limit of 10L+, they gave the same limit. Interestingly, once I got the Wealth Card approved, HDFC increased the CL for the Regalia
Now I am getting multiple messages from IDFC to upgrade the Card to Club Vistara one, not sure if it's worth at all.

Maybe, that's the issue but HDFC not increasing Limit for 2 years. Initially got 3L on Regalia and got limit in 6 months increase for 90K without using the card much. After that started using the card and had ~6L spends in last year but not increase in limit

 

[shadow]

Card Name:​	Select ​	Wealth​
Reward Rate: ​	Offline- 0.6% Online- 1.2%​	Offline- 0.75% Online- 1.5% ​
Forex Mark up​	1.99%​	1.5%​
Buy One, Get One​	up to ₹250​	up to ₹500​
Railway Lounge​	4​	4​

.

Airport lounge​	4 Domestic​	4 domestic & international spa & lounge​
Air Accident Cover​	₹1 Crore​	₹1 Crore​
Personal Accident Cover​	₹5,00,000 ​	₹10,00,000​
10x Rweards ​	10x = 2% On spends above 25K​	10x = 2.5% On spends above 30K​
​	​	​
​	​	​

Is it 4 domestic and 4 international or 4 domestic and international combined?
Also if we apply using Amex plat travel with 9.5L but 1 month old card any chance of getting wealth? location Bengaluru.
Tried with ICICI Rubyx with same limit but got wow.

 

[Gaara]

Maybe, that's the issue but HDFC not increasing Limit for 2 years. Initially got 3L on Regalia and got limit in 6 months increase for 90K without using the card much. After that started using the card and had ~6L spends in last year but not increase in limit

After axis devaluation I was considering to use my HDFC cards alone for a year so that I could get LE and upgrades and I read this 😂

 

[shadow]

After axis devaluation I was considering to use my HDFC cards alone for a year so that I could get LE and upgrades and I read this 😂

HDFC is very unpredictable in offering LE and upgrades.

 

[Gaara]

HDFC is very unpredictable in offering LE and upgrades.