my experience with IDFC first credit card application process

neehesh wrote:

Today I wanted to check which cc variant I am eligible for. I wanted to go ahead with the application if I could get select variant. During application I entered my healthy HDFC cc limit and the system showed I am eligible for wealth variant with good credit limit. I gave my pan and aadhar etc details. And then I immediately completed video kyc. The whole process took just about 10-15 min. I thought I would have to give hdfc cc statement to the agent. But half an hour later, I got SMS saying my card was approved and I would get it in 5 days. I downloaded their app and could see the card details in the app. I never had such completely online and short application process with any card so far. 

Ps: I don’t have savings account with them

What is the total limit in your HDFC Credit card?

Few questions if you can answer

1. Which hdfc credit card you hold and its approx limit
2. What’s your cibil score
3. Where you entered your hdfc credit card limit during idfc credit card application process i.e, in your annual income option or is there any specific option for entering existing card limit if you apply on card 2 card basis
4. Which idfc card did you get and is it’s limit given more than hdfc or not

Hope you answer these questions if possible thanks in advance

IDFC asks for current address proof? Or only aadhaar and pan needed?

rahulsoni0706846 wrote:

Few questions if you can answer

1. Which hdfc credit card you hold and its approx limit
2. What’s your cibil score
3. Where you entered your hdfc credit card limit during idfc credit card application process i.e, in your annual income option or is there any specific option for entering existing card limit if you apply on card 2 card basis
4. Which idfc card did you get and is it’s limit given more than hdfc or not

Hope you answer these questions if possible thanks in advance

1. Regalia first, limit 9L
2. 797
3. In the application, it asks if you hold any cc and its limit
4. I got IDFC wealth cc with 5.3L limit

harshitag12 wrote:

IDFC asks for current address proof? Or only aadhaar and pan needed?

For me it’s only pan and aadhar

neehesh wrote:

1. Regalia first, limit 9L
2. 797
3. In the application, it asks if you hold any cc and its limit
4. I got IDFC wealth cc with 5.3L limit

Strange last time I checked I didn’t get a option for existing card and its limit one more question from where you applied also did you received any pre approved email or notification from them

@nandamuri.balakrishna Yevandoi Idhi Chusara? 

Trans : Pls See This HDFC Statement

@xxxyyyzzz

rahulsoni0706846 wrote:

Strange last time I checked I didn’t get a option for existing card and its limit one more question from where you applied also did you received any pre approved email or notification from them

Option for c2c is there. Popular cards are listed there in drop down menu.

I had applied in December, rejected instantly

Cooldown is 90 days

@akki.akki @RunZone

His was approved without savings account ✌️

Time seems right  

xxxyyyzzz wrote:

Option for c2c is there. Popular cards are listed there in drop down menu.

I had applied in December, rejected instantly

Cooldown is 90 days

Mine was also rejected instantly 15 days ago but while i applied didn’t get any option for c2c only annual income

PowerStar wrote:

@nandamuri.balakrishna Yevandoi Idhi Chusara? 

Trans : Pls See This HDFC Statement

Power star and balakrishna friends? Eppatinunchi?
Trans: since when?

rahulsoni0706846 wrote:

Mine was also rejected instantly 15 days ago but while i applied didn’t get any option for c2c only annual income

Maybe OP’s was approved because of a very fat limit in hdfc and a very good credit score.

I did one stupid thing while applying .Marked highest limit for icici but Amazon card wasn’t there in the list, so i submitted with Coral . Rest of the cards that i had were new.

But its a strange and unpredictable bank, my friend got pre approved idfc Millenia cc but his was rejected after few days of applying.
Many dimers got rejections while applying for idfc also.

I

xxxyyyzzz wrote:

Maybe OP’s was approved because of a very fat limit in hdfc and a very good credit score.

I did one stupid thing while applying .Marked highest limit for icici but Amazon card wasn’t there in the list, so i submitted with Coral . Rest of the cards that i had were new.

But its a strange and unpredictable bank, my friend got pre approved idfc Millenia cc but his was rejected after few days of applying.
Many dimers got rejections while applying for idfc also.

I too hold apay icici but from what you shared looks like it will not of any help

neehesh wrote:

1. Regalia first, limit 9L
2. 797
3. In the application, it asks if you hold any cc and its limit
4. I got IDFC wealth cc with 5.3L limit

My dad also has 9L limit on regalia & credit score more than 780. I am planning to apply seeing that wealth card has lot of features.. thank you for the information.

neehesh wrote:

Power star and balakrishna friends? Eppatinunchi?
Trans: since when?

We Both Are Brothers 😄

xxxyyyzzz wrote:

Option for c2c is there. Popular cards are listed there in drop down menu.

I had applied in December, rejected instantly

Cooldown is 90 days

CoolDown Is 6 Months Bro 

PowerStar wrote:

CoolDown Is 6 Months Bro 

When mine was rejected, application tracking said i can apply again after 90 days

xxxyyyzzz wrote:

When mine was rejected, application tracking said i can apply again after 90 days

I Applied In September Still I Am Unable To Apply 

CSupport Said U Have To Wait 6 Months 

i Checked In Website Also

Where to apply for the idfc account holder ?

PowerStar wrote:

I Applied In September Still I Am Unable To Apply 

CSupport Said U Have To Wait 6 Months 

i Checked In Website Also

She lied to you bro…🥲 





https://ibb.co/x...dq

akki.akki wrote:

Where to apply for the idfc account holder ?

@Tanmayyy

xxxyyyzzz wrote:

Option for c2c is there. Popular cards are listed there in drop down menu.

I had applied in December, rejected instantly

Cooldown is 90 days

I didn’t properly recalled earlier but when i try to apply for idfc bank credit card it asks for name, DOB and mobile number which when i enter shows some error like this “Uh-oh! looks like you will have to wait for our credit card”

After reading Op’s post i contacted them on twitter arranged a call back request, just now talked to someone who told me since i have applied initially in September so i have to wait for 6 months for reapplying

xxxyyyzzz wrote:

@Tanmayyy

@akki.akki you can apply directly from the mobile app

Tanmayyy wrote:

@akki.akki you can apply directly from the mobile app

Where in mobile app ?

Applied through my regular phone number (number given for other cards) but application was rejected twice. Applied with my alternate number last month and card was conditionally approved with limit of 50K. They wanted me to do VKYC.As the limit was low, did not do the VKYC. 

This alternate number trick worked with Flipkart Axis Card as well. May be folks whose applications were rejected should try with alternate numbers. 

Santhu4444 wrote:

Applied through my regular phone number (number given for other cards) but application was rejected twice. Applied with my alternate number last month and card was conditionally approved with limit of 50K. They wanted me to do VKYC.As the limit was low, did not do the VKYC. 

This alternate number trick worked with Flipkart Axis Card as well. May be folks whose applications were rejected should try with alternate numbers. 

@PowerStar


How much was the gap in between application?

Proof of income?
Which card you applied for?

akki.akki wrote:

Where in mobile app ?

Homepage bro