My experience of closing idfc select card and applying for wealth card - A big fail converted to success

[RockyBond]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Update :-
3. Third time

With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Final update 29th January :-
Application approved without any home or office verification.

From failure to success. What a journey 😂

 

[am322]

I have IDFC Select with 3.4L limit. They are not upgrading to wealth in spite of multiple requests.

I have HDFC Regalia 8L, ICICI Sapphiro with 10L, Kotak White 11L, Axis Airtel with 15L. Which one should I use for fresh application of Wealth after canceling Select? What to give in income proof as income < 3L?

I would recommend Regalia or Sapphiro

 

[sjmajumder]

I would recommend Regalia or Sapphiro

I am seeing many people commenting saying entered income as 3L+ whereas real income is less. But no one is answering the question what did they submit as income proof.

 

[hackymanoj]

I am seeing many people commenting saying entered income as 3L+ whereas real income is less. But no one is answering the question what did they submit as income proof.

They won't ask for the income proof

 

[Card_Maddy]

Tried this trick but for me showing Select only

 

[ashb009]

4.6L limit on ICICI works? @deep@vie

I'm in the same boat, you tried? I have Apay with 4.5L limit

 

[ashb009]

But ICICI Amazon pay is not in the drop-down. Any work around?

Did you apply? I'm in the same position, having Apay with 4.5L limit

 

[runzone]

I'm in the same boat, you tried? I have Apay with 4.5L limit

I have not tried yet

 

[ashb009]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Update :-
3. Third time

With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Final update 29th January :-
Application approved without any home or office verification.

From failure to success. What a journey 😂

How did you apply 3 times? For me it captures the state of previous application only 🤔 Like once it showed me WOW card then when I logged in again, it showed me WOW card only. So how to apply second time from scratch so that we get option to put salary again?
@RockyBond

 

[runzone]

Upvote if you have got idfc wealth via C2C with existing CC limit less than 5L .

I want to know what are the odds if existing CC limit is less than 5L

 

[Sunil R]

Upvote if you have got idfc wealth via C2C with existing CC limit less than 5L .

I want to know what are the odds if existing CC limit is less than 5L

I think @S S V got his IDFC Wealth approved with an Amex card, which has a limit of less than 3L