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Re-applied for IDFC First Wealth Credit Card

Old Story so far:
This was sometime in late 2023 and early 2024.
I had been trying to get IDFC First Wealth through their website directly - but whenever I enter my details, the site was only showing FD based WOW card.
It went on for a year and then I got a call from one RM who told if I apply through him, he could get me Wealth.
I trusted him and processed the application and I got IDFC First Wealth credit card on Sept 2024. (4L limit)

But I didn't use it - Didn't came across any good places or offers where I could use it.
Out of impulsion, I closed it in November 2024 when they did the devaluation.
But afterwards I thought I could have kept it.
So I tried re-applying for it through TimePrime but through that channel, they were asking for docs.
(It depends on the channel - some places they ask for docs, some places they do not ask any income proofs)

So I left the applicaiton in between. IDFC First executives started calling me 4 times a day asking to upload income proof.
I told all of them - that I don't need the card but they still kept on calling.
I got frustrated and finally sent a PNO to delete my application immediately.
Finally the calls stopped.

Then yesterday I just casually went to IDFC FIrst website and just entered my details, and wow, it showed no docs required.
1751858332672.webp
So I immediately completed the application and VKYC.

Reasons for cancelling it earlier: It was not used at all. But after cancelling I had a second thought, I could have kept it.
Reasons for applying it again: (It was there aearlier, but these are some smaller benefits)
1. Free Visa Infinite variant
2. Roadside assistance 4 times a year.
3. Flight ticket cancellation refund for any reason, up to two times a year.
4. District movie app offers.
5. Railway lounge access
6. BMS movie offer and F&B offer for Visa Infinite.
7. Interest free atm withdrawal
8. Low Forex markup 1.5%
9. IDFC First Bank specific offers in some apps.
10. Reward points do not expire.
11. Lounge access criteria is not hard. (20k in previous month)
12. Golf benefits

Useful links:
Website Page: https://www.idfcfirstbank.com/credit-card/wealth
MITC: https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf
Card Member Agreement: https://www.idfcfirstbank.com/content/dam/IDFCFirstBank/PDF/Card-Member-Agreement.pdf
Presentation: https://www.idfcfirstbank.com/conte...credit-card/Wealth-Product-Guide-01-04-24.pdf
Card Usage Basics: https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/Credit-Card-Basics-Power.pdf

Like @Jatayu told, Overall a good LTF card to keep, but nothing exciting as such.
 
Last edited:
Old Story so far:
This was sometime in late 2023 and early 2024.
I had been trying to get IDFC First Wealth through their website directly - but whenever I enter my details, the site was only showing FD based WOW card.
It went on for a year and then I got a call from one RM who told if I apply through him, he could get me Wealth.
I trusted him and processed the application and I got IDFC First Wealth credit card on Sept 2024. (4L limit)

But I didn't use it - Didn't came across any good places or offers where I could use it.
Out of impulsion, I closed it in November 2024 when they did the devaluation.
But afterwards I thought I could have kept it.
So I tried re-applying for it through TimePrime but through that channel, they were asking for docs.
(It depends on the channel - some places they ask for docs, some places they do not ask any income proofs)

So I left the applicaiton in between. IDFC First executives started calling me 4 times a day asking to upload income proof.
I told all of them - that I don't need the card but they still kept on calling.
I got frustrated and finally sent a PNO to delete my application immediately.
Finally the calls stopped.

Then yesterday I just casually went to IDFC FIrst website and just entered my details, and wow, it showed no docs required.
View attachment 102823
So I immediately completed the application and VKYC.

Reasons for cancelling it earlier: It was not used at all. But after cancelling I had a second thought, I could have kept it.
Reasons for applying it again: (It was there aearlier, but these are some smaller benefits)
1. Free Visa Infinite variant
2. Roadside assistance 2 times a year.
3. Flight ticket cancellation refund for any reason, up to two times a year.
4. District movie app offers.
5. Railway lounge access
6. BMS movie offer and F&B offer for Visa Infinite.
7. Interest free atm withdrawal
8. Low Forex markup 1.5%
9. IDFC First Bank specific offers in some apps.
10. Reward points do not expire.
11. Lounge access criteria is not hard. (20k in previous month)

Useful links:
Website Page: https://www.idfcfirstbank.com/credit-card/wealth
MITC: https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf
Card Member Agreement: https://www.idfcfirstbank.com/content/dam/IDFCFirstBank/PDF/Card-Member-Agreement.pdf
Presentation: https://www.idfcfirstbank.com/conte...credit-card/Wealth-Product-Guide-01-04-24.pdf
Card Usage Basics: https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/Credit-Card-Basics-Power.pdf
As punchy as always ☝️👍
 
Old Story so far:
This was sometime in late 2023 and early 2024.
I had been trying to get IDFC First Wealth through their website directly - but whenever I enter my details, the site was only showing FD based WOW card.
It went on for a year and then I got a call from one RM who told if I apply through him, he could get me Wealth.
I trusted him and processed the application and I got IDFC First Wealth credit card on Sept 2024. (4L limit)

But I didn't use it - Didn't came across any good places or offers where I could use it.
Out of impulsion, I closed it in November 2024 when they did the devaluation.
But afterwards I thought I could have kept it.
So I tried re-applying for it through TimePrime but through that channel, they were asking for docs.
(It depends on the channel - some places they ask for docs, some places they do not ask any income proofs)

So I left the applicaiton in between. IDFC First executives started calling me 4 times a day asking to upload income proof.
I told all of them - that I don't need the card but they still kept on calling.
I got frustrated and finally sent a PNO to delete my application immediately.
Finally the calls stopped.

Then yesterday I just casually went to IDFC FIrst website and just entered my details, and wow, it showed no docs required.
View attachment 102823
So I immediately completed the application and VKYC.

Reasons for cancelling it earlier: It was not used at all. But after cancelling I had a second thought, I could have kept it.
Reasons for applying it again: (It was there aearlier, but these are some smaller benefits)
1. Free Visa Infinite variant
2. Roadside assistance 2 times a year.
3. Flight ticket cancellation refund for any reason, up to two times a year.
4. District movie app offers.
5. Railway lounge access
6. BMS movie offer and F&B offer for Visa Infinite.
7. Interest free atm withdrawal
8. Low Forex markup 1.5%
9. IDFC First Bank specific offers in some apps.
10. Reward points do not expire.
11. Lounge access criteria is not hard. (20k in previous month)

Useful links:
Website Page: https://www.idfcfirstbank.com/credit-card/wealth
MITC: https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf
Card Member Agreement: https://www.idfcfirstbank.com/content/dam/IDFCFirstBank/PDF/Card-Member-Agreement.pdf
Presentation: https://www.idfcfirstbank.com/conte...credit-card/Wealth-Product-Guide-01-04-24.pdf
Card Usage Basics: https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/Credit-Card-Basics-Power.pdf

They will need office email reply and verifications of home and office.
. . . . .
 
I also applied for IDFC Wealth Credit Card today itself. It asked for my current residence details and office details (address and email) etc. post that my application was submitted. I didn't get any option of vkyc.
 
I have this cards from yrs & only use it for Rsa & movie sometimes. Overall good Ltf cc.
So can I suggest some corrections....Rsa is 4 times not 2. Plus mention golf benefits also if anyone needs it. Lastly there's no Bms offer rn except for Private. All shifted to District.
 
I have this cards from yrs & only use it for Rsa & movie sometimes. Overall good Ltf cc.
So can I suggest some corrections....Rsa is 4 times not 2. Plus mention golf benefits also if anyone needs it. Lastly there's no Bms offer rn except for Private. All shifted to District.
Hey, I already have IDFC First Savings account. as I mentioned above. I applied for IDFC Wealth credit card today. my savings accounts with IDFC only has my permanent address and my permanent address is not same as my current address. I have used my current residence address (Gurgaon) in the wealth application. will it cause any issues? and what will happen in home and office verification? TIA
 
I have this cards from yrs & only use it for Rsa & movie sometimes. Overall good Ltf cc.
So can I suggest some corrections....Rsa is 4 times not 2. Plus mention golf benefits also if anyone needs it. Lastly there's no Bms offer rn except for Private. All shifted to District.
Thanks bro. I meant BMS offer via Visa Infinite variant, not through card.
(I read somewhere that Visa infinite has some BMS offer - that quota based thing)
 
Hey, I already have IDFC First Savings account. as I mentioned above. I applied for IDFC Wealth credit card today. my savings accounts with IDFC only has my permanent address and my permanent address is not same as my current address. I have used my current residence address (Gurgaon) in the wealth application. will it cause any issues? and what will happen in home and office verification? TIA
When I applied it few years ago, I got it instantly without any verification nor did I had their savings account at that time. So maybe I wouldn't be the best person to answer your query of home & office verification. But in my opinion, without thinking too much, just go for it & try your luck of getting it instantly. Even if it gets rejected, just a Cibil enquiry will be the only loss.
 
You have easily been issued the anticipated IDFC credit card with a decent limit, which could be due to upcoming sales on Flipkart (goat sale )or Amazon, where IDFC is one of the instant discount partners on Flipkart.
 
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