Ways to get IDFC First Wealth Credit Card

[kashyapaditya256]

Hi,

Is there any way to get IDFC Bank Wealth Credit Card.

I got IDFC Millennia Credit Card a year ago, but always wanted to get IDFC's higher variant Credit Card.

Did open a savings bank account with a 1L+ MAB to improve relationship. Tried several times through mailing customer care for and upgrade, but of no avail.

Since Wealth Credit is one of the premium credit cards on LTF criteria, it has been long on my wishlist.

Can someone please help me out in tips or tricks to attain the Wealth Credit Card or how to get a response from IDFC Bank since they are extremely dormant in responding.

 

[nitrogenSingh]

I recently tried the different-phone-number approach.

Timeline of events:

• 02 Mar - I requested for credit limit increase as well as an upgrade of my existing Select card to Wealth.
• 06 Mar - The request was denied without reason and so I closed my Select card on the same day out of frustration.
• When I tried to apply online for the Wealth card a few days later I kept getting the message 'Something went wrong. Try again later.' on the first screen.
• 17 Mar - I tried again on but this time, with a new phone number and was able to get through the first screen without the above error.
• I filled up the details and was offered a Select card without need for income proof.
• I tried c2c next with my ICICI Coral card (limit 12L) but was again offered only the Select card on the next page.
• Then, I tried bumping up my monthly salary to over 3L net and this time the system offered me the Wealth card without need for income proof!!
• I went ahead and submitted the application with aadhar kyc half expecting it to be rejected.
• 18 Mar - I was able to complete video kyc and I also received verification call but missed it
• 21 Mar - The call came in again and the verification was completed.
• 22 Mar - Card was approved and I was able to view it in my mobile app even though I had used a different phone number!

So the different-phone-number approach worked and I was able to bypass the cooldown period as well as make myself eligible for the Wealth card with adjustment to net income.

Hi, one small question, is your net salary near 3Lac, or you have just tried to enter the amount, just to test it out?
Since i am having salary way less than 3 lac, can i go and try just adding the salary to 3Lac, and get it tried, even though i don't have salary of 3Lac around.
Is there any other factor also in play?
@vaibhav111 @Wealth is my birth right!
Also one small question, I had applied for IDFc card last year around August But left process in between, will the application will be automatically cancelled, or will it stay in the system till now.?

 

[vaibhav111]

Hi, one small question, is your net salary near 3Lac, or you have just tried to enter the amount, just to test it out?
Since i am having salary way less than 3 lac, can i go and try just adding the salary to 3Lac, and get it tried, even though i don't have salary of 3Lac around.
Is there any other factor also in play?
@vaibhav111 @Wealth is my birth right!

I enter 3 lakhs cause it worked or others, I think there are other factor involved but not sure what are those, other than salary all information were true for me so consider that n you have a cc with less than 5 lakhs that why you haven’t tried this right? Have you tried au swipe up cause massive limit given but then if IDFC take au bank reference for C2C I don’t know

 

[Wealth is my birth right!]

Hi, one small question, is your net salary near 3Lac, or you have just tried to enter the amount, just to test it out?
Since i am having salary way less than 3 lac, can i go and try just adding the salary to 3Lac, and get it tried, even though i don't have salary of 3Lac around.
Is there any other factor also in play?
@vaibhav111 @Wealth is my birth right!
Also one small question, I had applied for IDFc card last year around August But left process in between, will the application will be automatically cancelled, or will it stay in the system till now.?

Even my salary is not 3l and less than 2 but I have correct picture since my central kyc registry have all data
Trigger to wealth card is cibil 803 and Amex card 5 lac limit
This combo made their algorithm dusted

 

[nitrogenSingh]

I enter 3 lakhs cause it worked or others, I think there are other factor involved but not sure what are those, other than salary all information were true for me so consider that n you have a cc with less than 5 lakhs that why you haven’t tried this right? Have you tried au swipe up cause massive limit given but then if IDFC take au bank reference for C2C I don’t know

I recently applied for AU bank via swipe up, it gave 7L limit, but it's new, so i guess it wont be good, since, its only a month only, since i got it,
Highest credit limit of all the card which i hold is APAY which is 4.6L and around 1 year old.
So, according to your suggestion, i should try to apply by putting salary above 3L and give rest of information correct.? (Am i getting it correct).

I am thinking anyhow, if i get rejected, no harm as such, since, i dont hold any card with more than 5L limit and more than 1 year vintage.

Please answer the second question, which i posted regarding previous application

 

[nitrogenSingh]

Even my salary is not 3l and less than 2 but I have correct picture since my central kyc registry have all data
Trigger to wealth card is cibil 803 and Amex card 5 lac limit
This combo made their algorithm dusted

My Cibil is 782, currently. & don't have any card with 5L limit, shall i go ahead and mask up the salary while applying?

 

[Wealth is my birth right!]

I recently applied for AU bank via swipe up, it gave 7L limit, but it's new, so i guess it wont be good, since, its only a month only, since i got it,
Highest credit limit of all the card which i hold is APAY which is 4.6L and around 1 year old.
So, according to your suggestion, i should try to apply by putting salary above 3L and give rest of information correct.? (Am i getting it correct).

I am thinking anyhow, if i get rejected, no harm as such, since, i dont hold any card with more than 5L limit and more than 1 year vintage.

Please answer the second question, which i posted regarding previous application

I said u left application last year right no worries after 3 month it will get removed by bank

 

[Wealth is my birth right!]

My Cibil is 782, currently. & don't have any card with 5L limit, shall i go ahead and mask up the salary while applying?

Yes give a try u may get a cibil hit
For me I gave my Amex mrcc 5 lac which appears in cibil as well but I got 4.5 lac only

 

[nitrogenSingh]

Yes give a try u may get a cibil hit
For me I gave my Amex mrcc 5 lac which appears in cibil as well but I got 4.5 lac only

Thank you, not worried about cibil hit that much, getting wealth is priority.

 

[Wealth is my birth right!]

Thank you, not worried about cibil hit that much, getting wealth is priority.

Sure I understand
Pls update once done

 

[nitrogenSingh]

Sure I understand
Pls update once done

Sure, will update as I progress through.

 

[nitrogenSingh]

Sure, will update as I progress through.

I gave 3.1L as net salary in the dropbox, still it showed my select card with 1.5L limit. IDFC is very weird. Also my company name was in the list as well.
@Wealth is my birth right! Anyhow i cancelled the application. If I try again with higher salary, will the bank do another CIBIL hit or not?

 

[Wealth is my birth right!]

I gave 3.1L as net salary in the dropbox, still it showed my select card with 1.5L limit. IDFC is very weird. Also my company name was in the list as well.
@Wealth is my birth right! Anyhow i cancelled the application. If I try again with higher salary, will the bank do another CIBIL hit or not?

Yes every pan input they hit cibil once even we did 2 times in a day also

 

[nitrogenSingh]

Yes every pan input they hit cibil once even we did 2 times in a day also

Any suggestion, i gave net salary more than 3, still only select card. 😕

 

[Wealth is my birth right!]

Any suggestion, i gave net salary more than 3, still only select card. 😕

Current card do u have anything more than 5lac?
Worst thing idfc check the high limit card from cibil only

 

[nitrogenSingh]

Current card do u have anything more than 5lac?
Worst thing idfc check the high limit card from cibil only

Only Au bank card with 7L limit but its just one month old.

 

[nitrogenSingh]

Current card do u have anything more than 5lac?
Worst thing idfc check the high limit card from cibil only

Also can we try thr offline method of c2c, i mean is there any other way via bank official?
I feel like maybe bank agent might know. a thing or two.

 

[Wealth is my birth right!]

Also can we try thr offline method of c2c, i mean is there any other way via bank official?
I feel like maybe bank agent might know. a thing or two.

No those agents will ask u to open 5 lac wealth savings account then also no assuring to get wealth card

 

[sharpened]

Only Au bank card with 7L limit but its just one month old.

ICICI doesn't seem to matter to them, so negligible chances of AU bank counting. Plus, it probably isn't showing up in your CIBIL yet.

 

[nitrogenSingh]

No those agents will ask u to open 5 lac wealth savings account then also no assuring to get wealth card

I actually want to avoid online method, and go via some offline method, if present.

 

[nitrogenSingh]

ICICI doesn't seem to matter to them, so negligible chances of AU bank counting. Plus, it probably isn't showing up in your CIBIL yet.

I am not planning anyhow to use the AU card for C2C.