No way to apply IDFC First Wow Card - Query & Discussion

[gogetassj4]

Hello folks,

I am already an existing customer of IDFC having a SB account since last month. Since then, I have successfully created a FD of Rs. 20000 (auto renewal on) so that I can apply for first wow card.

While applying for the card from the wow card page, it takes my name, DOB, mobile no. , OTP, PAN, income, address, etc as input and then farts out a completely unrelated bunch of cards which I absolutely don't need. Now there is no link/URL to apply for wow card via mobile app or IB.

Has anyone here faced this situation? If yes, how did you manage to apply?

Thanks and regards

//Edit: I raised a request the day before yesterday and got a phone call from them yesterday assuring me that I would be able to see the FD based card on their offer list but it turned out to be a lie. The offer page still shows 4 unsecured cards.

 

[gogetassj4]

Yes, Wow card FD interest rate is 7.25%, unlike a normal FD.
Have you got any more LE than the FD amount?

Yes, again, you have to do it for an unsecured card or an add-on. Ashva & Mayura, they give without Vkyc if you already hold an unsecured core card.

Actually my FD interest rate is exactly 7%. I think the tenure is same (with autorenewal on).

Nope, just 100% of the FD amount as mentioned in the wow page. If I ever apply for enhancing limit on this card by booking another FD, will I have to do vKYC again?

 

[Anindya98]

Nope, just 100% of the FD amount as mentioned in the wow page. If I ever apply for enhancing limit on this card by booking another FD, will I have to do vKYC again?

No, VKYC is required. You’ll need to request the special link to add more FDs.

 

[gogetassj4]

No, VKYC is required. You’ll need to request the special link to add more FDs.

RIP. In that case, this is probably my first and last CC from them 🤐

 

[hender]

UPDATE: On receipt of my email, IDFC have closed the previous application which was offering me 4 unsecured cards and told me to apply via URL they sent in the email. Through that link, I successfully applied the wow card but I noted some a couple of things:

1) I had to do the vKYC again. I had opened my savings account a month ago via vKYC....
2) The previous FD that I had created of 20,000 was wasted, so during the application I had to deposit 20,000 yet again which has a tenure of 367 days.

So whenever we apply a CC for IDFC, we have to do the vKYC each and everytime it seems.

Anyway, the thread can be closed. Thank you all for the replies 🙂

I also got the same reply from my RM. Was going to update here.
Yes, even if you have an existing relationship, Vkyc is required.

Yes, Wow card FD interest rate is 7.25%, unlike a normal FD.
Have you got any more LE than the FD amount?

Yes, again, you have to do it for an unsecured card or an add-on. Ashva & Mayura, they give without Vkyc if you already hold an unsecured core card.

Hey,

Someone asked about IDFC WOW CC for
20k FD, NTB.
Want to open both FD and CC through branch in one go.
Usage is 10-15% <=
What's the process or formalities?
100% Limit or 200% if go via branch.
Later can he close both FD or CC via App or needs to visit Branch?
Virtual RuPay can be activated same time or after sometime?
He don't want to open IDFC saving account.