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 😂

 

[Sunil R]

Bro every single detail mentioned on the post itself

@Ram1 it was for ram bro

 

[hackymanoj]

How is this possible

That is why I'm surprised too

 

[Ram1]

Any physical verification as u expected?

Yes home verification done

 

[Ram1]

can your please share more info abt ur process
cancelled card/ new applicaction

c2c card limit / salary mentioned
wealth limit

planing to close my idfc card and try for wealth card.

thank you bro

Sure my journey is quite long, will plan new thread tomorrow

 

[Ram1]

Sure my journey is quite long, will plan new thread tomorrow

My Idfc wealth cc journey from 5 cibil enquiries to approval

My biggest wish is to get a ltf premium cc and going with the hype I selected IDFC wealth CC{1 year back} 9 months back I applied Online, First i entered sal 3L & existing cc 6L icici and gave nearest serviceable pincode, I got select cc only - 1st cibil enquiry done Then came back & I...

www.technofino.in

Here we go

 

[am322]

I just tried. They do ask Bank statement for Wealth, but not for Select

Not necessary. My brother recently applied and got the card. No income proof, no bank stmt. Salary used above 3 lakhs (actual is less), Amex card with 6.3 lakhs (actual).

 

[bvc19296]

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 😂

Metro Pincode or Non Metro Pincode?

 

[am322]

Hi All,

Wanted to share two IDFC Wealth CC success stories (both got Wealth in first attempt).

Both applied through IDFC Website (No agent, nothing)

My Brother (Hyderabad):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a week ago.
- Salary input as more than 3 lakhs (less in actual)
- Card to Card - Used Amex Platinum Travel - Limit 6.8 Lakhs - less than a month old.
- only VKYC, no home or office visit.
- Card generated in 4-5 days.
- Limit 4 Lakhs

My Wife (Bengaluru):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a 2nd Feb.
- Salary input as more than 3 lakhs (less in actual).
- Card to Card - Used ICICI Rubyx - Limit 7 Lakhs - a year old roughly.
- only VKYC, no home or office visit.
- Card generated in 6 days.
- Limit 4 Lakhs

 

[Sunil R]

Hi All,

Wanted to share two IDFC Wealth CC success stories (both got Wealth in first attempt).

Both applied through IDFC Website (No agent, nothing)

My Brother (Hyderabad):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a week ago.
- Salary input as more than 3 lakhs (less in actual)
- Card to Card - Used Amex Platinum Travel - Limit 6.8 Lakhs.
- only VKYC, no home or office visit.
- Card generated in 4-5 days.
- Limit 4 Lakhs

My Wife (Bengaluru):

- Had IDFC Power+0
- Closed a month ago
- Applied for Wealth with a different number a 2nd Feb.
- Salary input as more than 3 lakhs (less in actual).
- Card to Card - Used ICICI Rubyx - Limit 7 Lakhs.
- only VKYC, no home or office visit.
- Card generated in 6 days.
- Limit 4 Lakhs

good to hear IDFC issued wealth card for 4L limit (usually 5 L right??)

exacltly after how many days after .. applied using second number??

hyderbad pincode ?

 

[CardGame]

Hi All,

Wanted to share two IDFC Wealth CC success stories (both got Wealth in first attempt).

Both applied through IDFC Website (No agent, nothing)

My Brother (Hyderabad):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a week ago.
- Salary input as more than 3 lakhs (less in actual)
- Card to Card - Used Amex Platinum Travel - Limit 6.8 Lakhs.
- only VKYC, no home or office visit.
- Card generated in 4-5 days.
- Limit 4 Lakhs

My Wife (Bengaluru):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a 2nd Feb.
- Salary input as more than 3 lakhs (less in actual).
- Card to Card - Used ICICI Rubyx - Limit 7 Lakhs.
- only VKYC, no home or office visit.
- Card generated in 6 days.
- Limit 4 Lakhs

What's their credit age?

Thanks for sharing!

 

[am322]

good to hear IDFC issued wealth card for 4L limit (usually 5 L right??)

exacltly after how many days after .. applied using second number??

hyderbad pincode ?

Don't know exactly bro. We didn't count. Consider a month.
PIN Code - 500050

 

[am322]

What's their credit age?

Thanks for sharing!

Brother - Amex - less than 1 month old.
Wife - Rubyx - roughly a year old

 

[Sunil R]

Don't know exactly bro. We didn't count. Consider a month.
PIN Code - 500050

thanks for ur post will close my card and apply next month

 

[RohitSah]

Hi All,

Wanted to share two IDFC Wealth CC success stories (both got Wealth in first attempt).

Both applied through IDFC Website (No agent, nothing)

My Brother (Hyderabad):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a week ago.
- Salary input as more than 3 lakhs (less in actual)
- Card to Card - Used Amex Platinum Travel - Limit 6.8 Lakhs - less than a month old.
- only VKYC, no home or office visit.
- Card generated in 4-5 days.
- Limit 4 Lakhs

My Wife (Bengaluru):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a 2nd Feb.
- Salary input as more than 3 lakhs (less in actual).
- Card to Card - Used ICICI Rubyx - Limit 7 Lakhs - a year old roughly.
- only VKYC, no home or office visit.
- Card generated in 6 days.
- Limit 4 Lakhs

Can you please share the employment details which you gave for both of them?

 

[girish3456]

Bhai IDFC Wealth Card ke bina kaam nahi chal skta kya? What is fascinating you about this card?

Bcos, it's on Visa Infinte bro

 

[sjmajumder]

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 😂

Did they not ask you to submit income proof?

 

[sjmajumder]

Can you please share the employment details which you gave for both of them?

Didn't they ask for income proof?

 

[sjmajumder]

Hi All,

Wanted to share two IDFC Wealth CC success stories (both got Wealth in first attempt).

Both applied through IDFC Website (No agent, nothing)

My Brother (Hyderabad):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a week ago.
- Salary input as more than 3 lakhs (less in actual)
- Card to Card - Used Amex Platinum Travel - Limit 6.8 Lakhs - less than a month old.
- only VKYC, no home or office visit.
- Card generated in 4-5 days.
- Limit 4 Lakhs

My Wife (Bengaluru):

- Had IDFC Power+
- Closed a month ago
- Applied for Wealth with a different number a 2nd Feb.
- Salary input as more than 3 lakhs (less in actual).
- Card to Card - Used ICICI Rubyx - Limit 7 Lakhs - a year old roughly.
- only VKYC, no home or office visit.
- Card generated in 6 days.
- Limit 4 Lakhs

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?

 

[runzone]

4.6L limit on ICICI works? @deep@vie

 

[sjmajumder]

Sent them my magnus statement with 5.1 lakh limit ,received below reply

Dear Sir,
Greeting from IDFC FIRST Bank!

We understand your concern.

In order to upgrade your card, we will need to increase your credit limit post which we can check if card is eligible for upgrade. For limit increase we request you to share income documents. Request you to send below documents on banker@idfcfirstbank.com.

Last 3 months of salary slip along with 3 months Bank statement stating Salary Credit with IFSC code and other detail reflecting.

Please note: Limit enhancement and upgrade is subject to assessment basis the document shared and bank's internal policies.

Warm Regards,
Nisha.Pujari
IDFC FIRST Bank
Customer Experience Team

That is standard response. I sent them statement with 15L limit and got the same response.