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]

From my experience, I think IDFC does a soft enquiry with CIBIL for the offer phase as the multiple tries I made to get the system to show me the wealth card do not show up in my CIBIL report. There's only one hit for the actual application approval.

Did you try to cancel & apply fresh again multiple times on same day, and at the end only one enquiry was in the cibil?
Is that so?

 

[Jetstone]

Did you try to cancel & apply fresh again multiple times on same day, and at the end only one enquiry was in the cibil?
Is that so?

Exactly. I cancelled at least 3 times and applied again till I saw the Wealth card offered. CIBIL report shows only one hit from IDFC an dit was on the next day when my application was being processed.

 

[nitrogenSingh]

Exactly. I cancelled at least 3 times and applied again till I saw the Wealth card offered. CIBIL report shows only one hit from IDFC an dit was on the next day when my application was being processed.

What information did you enter, as in salary based or C2C, and its respective details.
For me, as soon as i entered my pan number, i received a cibil message on my phone and check the cibil, a hit was made, i just cancelled the application and didn't tried again.

 

[vaibhav111]

What information did you enter, as in salary based or C2C, and its respective details.
For me, as soon as i entered my pan number, i received a cibil message on my phone and check the cibil, a hit was made, i just cancelled the application and didn't tried again.

my cibil wasn't triggered untill the last moment.

 

[nitrogenSingh]

my cibil wasn't triggered untill the last moment.

My Cibil was triggered on last page only, when i enter the PAN details, after then it asks for salary or C2C, after that cibil hit occurs.

 

[nitrogenSingh]

my cibil wasn't triggered untill the last moment.

My concern is regarding @Jetstone , where is mentioned after multiple tries only one cibil hit. I checked in with some telegram group members, and they mentioned multiple cibil hit happens for multiple fresh applications.
How to confirm this?

 

[vaibhav111]

My Cibil was triggered on last page only, when i enter the PAN details, after then it asks for salary or C2C, after that cibil hit occurs.

oh it ask salary or c2c, for me it asked net income and then c2c. cause as per pancard it get I'm self-employed

 

[vaibhav111]

My concern is regarding @Jetstone , where is mentioned after multiple tries only one cibil hit. I checked in with some telegram group members, and they mentioned multiple cibil hit happens for multiple fresh applications.
How to confirm this?

see one thing also come into play is how many cc were issued in 4-6 months cause me and my friend got wealth mine is twice this limit ,cause he got au zenith ltf for 8 lakhs and i have no credit card approval in 4-5.

 

[nitrogenSingh]

oh it ask salary or c2c, for me it asked net income and then c2c. cause as per pancard it get I'm self-employed

When you say net income, is it per month, they asked, or annual. Please clarify, did you enter 36L or 3L there.
I think i got confused here

 

[nitrogenSingh]

see one thing also come into play is how many cc were issued in 4-6 months cause me and my friend got wealth mine is twice this limit ,cause he got au zenith ltf for 8 lakhs and i have no credit card approval in 4-5.

Did you friend apply via C2C, or income based. Their respective details as well, please share.

 

[vaibhav111]

When you say net income, is it per month, they asked, or annual. Please clarify, did you enter 36L or 3L there.
I think i got confused here

per month income was asked so i asked twice and enter 3 lakhs it wasn't annual for sure , cause i counted zeroooo

 

[vaibhav111]

Did you friend apply via C2C, or income based. Their respective details as well, please share.

i wasn't there for him and haven't asked him yet but i told him to enter 3 lakhs and that it actually ITR is 36lakhs something.

 

[nitrogenSingh]

per month income was asked so i asked twice and enter 3 lakhs it wasn't annual for sure , cause i counted zeroooo

If per month income as asked, I entered 3.1L, still got select, maybe need to wait for few months and try C2C.
Can someone confirm about single CIBIL enquiry for multiple fresh applications?

 

[nitrogenSingh]

i wasn't there for him and haven't asked him yet but i told him to enter 3 lakhs and that it actually ITR is 36lakhs something.

his CIBIL?

 

[vaibhav111]

his CIBIL?

no idea, bro . even he himself might not have a idea. but it should be around 780+ i guess.

 

[nitrogenSingh]

no idea, bro . even he himself might not have a idea. but it should be around 780+ i guess.

Need to crack out the wealth logic somehow

 

[gurubhai]

Need to crack out the wealth logic somehow

Looks like everyone here is trying this only.
One day we will be able to successfully reverse engineer it.

 

[Hitman_107]

Looks like everyone here is trying this only.
One day we will be able to successfully reverse engineer it.

Till the time we figure it out, they will change the algorithm and we’ll be on a goose chase for the new algorithm pattern 😂

 

[ADITYA1904]

Looks like everyone here is trying this only.
One day we will be able to successfully reverse engineer it.

Hehehe sure

 

[Jetstone]

What information did you enter, as in salary based or C2C, and its respective details.
For me, as soon as i entered my pan number, i received a cibil message on my phone and check the cibil, a hit was made, i just cancelled the application and didn't tried again.

C2C did not work for me with my ICICI Coral card even though it had a limit of 12L. I went ahead with salary of 3.1L net monthly and that worked.
As for the CIBIL hit please download or view your report and check if you see the IDFC enquiry that happened when you tried to apply. If it does not show up then it means it is a soft enquiry. Maybe CIBIL also sends alerts for soft enquires. Just guessing.