IDFC Wealth Credit Card Easily Approved

[hi buddy what to do]

Ok, So few days back i also thought to get IDFC Wealth Credit card after seeing threads on getting wealth card, just to add IDFC card to my portfolio. (will be using for sales & offers, considering the devaluations)

My Current Portfolio:
SBI Cashback - Jan 2023
Axis Neo LTF - Sept 2023
HDFC Millenia LTF - Dec 2023
ICICI Dual Sapphiro LTF- Jan 2024
BOB Premier Rupay LTF - March 2024
HDFC Tata Neu Infinity FYF - June 2024
AU IXIGO LTF - June 2024
IDFC Wealth LTF - Got Approved

Current Cibil: 763 (Reduced from 771 this month due to high utilization (5%))
Credit Age: 3 Years
Highest Limit: HDFC Millenia : 5.12 L

On 28 June, I filled online application through Cashkaro ( will be getting 1K rewards ) , application id got generated, completed vkyc. on 29 June, home address verification done (1PM) , received approval message and card details ( 2:30PM).

Existing Relation: I hold 10k MAB SB account with IDFC since Jan 2024 (not much transactions, maintaining MAB only)

Details Filled during Application Process: I applied via C2C, selected HDFC Bank and leave the variant box Blank, added limit 5.12L, added salary 3.1L ( actual <1.5)

No documentations asked.

 

[hellowo₹ld]

Bought gold for 1L with IDFC wealth credit card and its showing only 3X reward points ( basically 2% reward points worth only 500rs.. is it so?
is 10X not applicable on gold?

Post in thread '[Income Tax Payment] Card which provide benefit on Tax Payment'

Dec 20, 2024

It's 2.5% read here

I assumed based on this..

FIRST Rewards

www.firstrewards.com

Even if we calculate for 100 and consider as 2.5% above 50k...

Cumulatively for 4L its around 2% only. We never get 2.5% overall. Thats the IDFC marketing only.

- 50K = 0.67%
- 1L = 1.58%
- 4L = 2.2%

We never achieve 2.5%, Unless 50k spend by someone else using our card, but IMO as long as we spend that 50k then we have to include in calculation.

4x = 1%...

• hellowo₹ld

: )

 

[neo.puneet]

anyone know the cooling period in IDFC CC for the information to be removed? I tried to apply and only got Select option but i want to apply fresh and whenever i try proceeding with the phone number, they don't ask me anything else and directly show select cc.

 

[SSV]

anyone know the cooling period in IDFC CC for the information to be removed? I tried to apply and only got Select option but i want to apply fresh and whenever i try proceeding with the phone number, they don't ask me anything else and directly show select cc.

It used to be 3 momths.. but sometimes you need to contact CC either via email/ phone after 3 months to get it removed manually..
All the best

 

[BVCBVC is verified member.]

It used to be 3 momths.. but sometimes you need to contact CC either via email/ phone call after 3 months to get it removed manually..
All the best

anyone know the cooling period in IDFC CC for the information to be removed? I tried to apply and only got Select option but i want to apply fresh and whenever i try proceeding with the phone number, they don't ask me anything else and directly show select cc.

Yes, In the past there was an option to remove the Application ID history. Not sure about now, but try to check with CS.