Maintaining 10L MAB in a 4 year old IDFC Savings account. How to get the Wealth CC?

[Batman]

I'll keep it succinct. I hold an IDFC Savings account for 4 years now. I have been maintaining 10L MAB for 2 months now. How do I get Wealth CC?

The RM and BM have unfortunately not been helpful. I do have other premium CC with 8L+ limits (DCB, Sapphiro, etc). The RM did promise to put up a request for Wealth savings account, but I have been disappointed about 7-9 times in the past. I've stopped keeping hope from IDFC.

 

[varun__goel_]

Mab criteria won't work, unless you're keeping a lot of funds in savings account.
C2C you can try my method I'll ping you if you follow exactly then 100% you'll get a wealth card.

Please dm the trick....🙂

 

[bvc19296]

As you have a Select account with them. You must have a RM assigned. Contact him and ask for a credit card.
People are offered WOW card if they are not in a credit card-sourcing city. having a branch in your location doesn't guarantee it is a serviceable zone.

A small addition to your point.

If the branch is listed on the IDFC website there are high chances you will get other than Wow card. I have IDFC bank branch which is not listed on their website so only WOW card offer comes for me.

 

[Vasuki]

As you have a Select account with them. You must have a RM assigned. Contact him and ask for a credit card.
People are offered WOW card if they are not in a credit card-sourcing city. having a branch in your location doesn't guarantee it is a serviceable zone

Thats a very good point .

 

[Vasuki]

A small addition to your point.

If the branch is listed on the IDFC website there are high chances you will get other than Wow card. I have IDFC bank branch which is not listed on their website so only WOW card offer comes for me.

Same problem bro 😭

 

[hackymanoj]

@Batman
Here are few suggestions,
1) While applying online put salary around 3L per month, and do C2C using your DCB, it will improve chances of getting wealth
2) Take Select card if you are getting it and later try to upgrade it.

Here is what I did:
1) Took IDFC Select in April 2024, got it with a CL of 3.5L, didn't give much thought about wealth, later came to know about wealth
2) Asked them for upgrade to Wealth, they asked me wait for 6 months, I waited for 6 months
3) Spend 15k in first month to get 500 coupon and later spent avg of 10k per month for rest of the months
4) After 6 months asked for upgrade to wealth by sending my credit card statement, they denied and asked me to send income documents for CL increase and then if CL crosses 5L they would upgrade
5) Sent them salary slips, credit card statement (there was back and forth for a month as for reason they were unable to download documents which I have sent)
6) Raised a closure request, team called me back and told they will personally look into it and asked me to merge all documents and send it as a single PDF
7) Sent all documents as single PDF got a limit increase, new limit was 3.9 L, so no upgrade
8) This time I was determined to close the card to reduce my leverage, raised a closure request
9) Got a call from retention team, told them I was looking for wealth, they again asked me to send income docs, to which I said that method failed, they told they will look at my documents and try to get exception for upgrade, I was asked to take back my closure request to process upgrade, which I did.
10) Later in the day I got call that they have taken exception and issued Wealth card with same 3.9L CL. I was happy. Got the new card in a week.

I don't have any banking relationship with IDFC. Hope this helps you.

Raised a closure request now. In how many days do they generally call?

 

[Vasuki]

Raised a closure request now. In how many days do they generally call?

Closure of ?

 

[Deathsnatcher]

Mab criteria won't work, unless you're keeping a lot of funds in savings account.
C2C you can try my method I'll ping you if you follow exactly then 100% you'll get a wealth card.

Dm me also
it keep showing me stupid fd bases wow card

 

[hackymanoj]

Closure of ?

Select credit card

 

[bvc19296]

Same problem bro 😭

Just we need to have Aadhar address which has the branch listed on website. or @SpiesCan'tCatchMe @S S V should help with the trick.

 

[SpiesCan'tCatchMe]

Just we need to have Aadhar address which has the branch listed on website. or @SpiesCan'tCatchMe @S S V should help with the trick.

Already on it, ive kept my chat open to all
helping as much as i can

 

[Vasuki]

Already on it, ive kept my chat open to all
helping as much as i can

Whats the trick then

 

[SpiesCan'tCatchMe]

Whats the trick then

Ill dm you

 

[Batman]

Thats a very good point .

RM and BM have outright being batshit crazy. They either don't know anything about the Wealth CC, or don't care at all about customer experience.

I plan to change branches as soon as I get the Wealth CC.

 

[Yugi]

Raised a closure request now. In how many days do they generally call?

They called me the same day, usually within few hours of raising the request.

 

[hackymanoj]

They called me the same day, usually within few hours of raising the request.

They haven't called me yet. May be it's day close. I might get a call tomorrow. I will see how that goes

 

[2024]

Nope, not yet. All plans failed. Open to new ideas.

I maintained 10+ in my wealth account for 2-3 months (savings account was 2yrs old but recently upgraded to wealth), call their CC that why m not received any pre approved offer for credit card till nw as my account my 2yrs old and m maintaining 10+ funds, m looking only for wealth credit card - generate wealth CC offer otherwise I vl close my account they mail, msg, call me to confirm that they have generated wealth CC pre-approved offer for me pl go ahead. I applied n got my wealth CC instantly with 8+ limit

 

[Batman]

I maintained 10+ in my wealth account for 2-3 months (savings account was 2yrs old but recently upgraded to wealth), call their CC that why m not received any pre approved offer for credit card till nw as my account my 2yrs old and m maintaining 10+ funds, m looking only for wealth credit card - generate wealth CC offer otherwise I vl close my account they mail, msg, call me to confirm that they have generated wealth CC pre-approved offer for me pl go ahead. I applied n got my wealth CC instantly with 8+ limit

Interesting. I went up to PNO but didn't get any such offer.

Let me try a phone call as well tomorrow.

Thanks!

 

[Rahul92]

A small addition to your point.

If the branch is listed on the IDFC website there are high chances you will get other than Wow card. I have IDFC bank branch which is not listed on their website so only WOW card offer comes for me.

Where to see the list ?

 

[bvc19296]

Where to see the list ?

On the website only. You can check out on the link below.

Banks near me - Locate branches & ATM

Bank locator helps you find the nearest branch and atm in your location. An easy to use branch locator that helps you find the branch by pin code.

www.idfcfirstbank.com

 

[kratos7]

@Batman
Here are few suggestions,
1) While applying online put salary around 3L per month, and do C2C using your DCB, it will improve chances of getting wealth
2) Take Select card if you are getting it and later try to upgrade it.

Here is what I did:
1) Took IDFC Select in April 2024, got it with a CL of 3.5L, didn't give much thought about wealth, later came to know about wealth
2) Asked them for upgrade to Wealth, they asked me wait for 6 months, I waited for 6 months
3) Spend 15k in first month to get 500 coupon and later spent avg of 10k per month for rest of the months
4) After 6 months asked for upgrade to wealth by sending my credit card statement, they denied and asked me to send income documents for CL increase and then if CL crosses 5L they would upgrade
5) Sent them salary slips, credit card statement (there was back and forth for a month as for reason they were unable to download documents which I have sent)
6) Raised a closure request, team called me back and told they will personally look into it and asked me to merge all documents and send it as a single PDF
7) Sent all documents as single PDF got a limit increase, new limit was 3.9 L, so no upgrade
8) This time I was determined to close the card to reduce my leverage, raised a closure request
9) Got a call from retention team, told them I was looking for wealth, they again asked me to send income docs, to which I said that method failed, they told they will look at my documents and try to get exception for upgrade, I was asked to take back my closure request to process upgrade, which I did.
10) Later in the day I got call that they have taken exception and issued Wealth card with same 3.9L CL. I was happy. Got the new card in a week.

I don't have any banking relationship with IDFC. Hope this helps you.

bro april 2024 hasnt even arrived
lmaooooo