Hot Deal

my experience with IDFC first credit card application process

1033°
Deal Subedar
neehesh

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

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
Helpful Helpful
Link Copied

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

Deal Subedar Deal Subedar
Link Copied

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

Deal Lieutenant Deal Lieutenant
Link Copied

i applied in November for idfc select on C2C basis. I was given 2 lakh limit on basis of statement but after document pickup it was rejected after few days. Yesterday received a mail from IDFC for pre approved Select Credit card with limit of 2.5lakh. Opened the link and applied and card was generated instantly.

Ps- having idfc zero balance account from few years which I opened to get cashback 😝


98 Comments  |  
29 Dimers
  • Sort By
Helpful Helpful
Link Copied

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

Deal Subedar Deal Subedar
Link Copied

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

View 14 more replies
Deal Cadet Deal Cadet
Link Copied

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

Deal Subedar Deal Subedar
Link Copied

For me it’s only pan and aadhar

Deal Lieutenant Deal Lieutenant
Link Copied

@nandamuri.balakrishna Yevandoi Idhi Chusara? 

Trans : Pls See This HDFC Statement

Deal Subedar Deal Subedar
Link Copied

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

View 1 more reply
Shopping Friend Shopping Friend
Link Copied

@xxxyyyzzz

Finance Ninja Finance Ninja
Link Copied

@akki.akki @RunZone

His was approved without savings account ✌️

Time seems right relaxed 

Helpful Helpful
Link Copied

I

Benevolent Benevolent
Link Copied

Where to apply for the idfc account holder ?

Finance Ninja Finance Ninja
Link Copied

@Tanmayyy

View 7 more replies
Wingman Wingman
Link Copied

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. 

Finance Ninja Finance Ninja
Link Copied

@PowerStar


How much was the gap in between application?

Proof of income?
Which card you applied for?

View 20 more replies
Deal Cadet Deal Cadet
Link Copied

IDFC RM calls me and tells me I have a "pre-approved" CC and offered it LTF. He applied and sent me a rejected screenshot. I complained to their upper management and got my CIBIL Enquiry removed from the enquiries after a few dozens of emails and a free CIBIL one month subscription paid in Amazon GV from them. 

Finance Ninja Finance Ninja
Link Copied

Lmao

Quite an experience sweat_smile sweat_smile

Deal Cadet Deal Cadet
Link Copied

congrats on your new card

Deal Cadet Deal Cadet
Link Copied

pm for idfc cc refer for additional 2000 rewards as joining benefit 

Helpful Helpful
Link Copied

PM for IDFC credit card referral – both will get 2000 bonus reward points = 500 rupees

Benevolent Benevolent
Link Copied

Congrats! You could have used referral code for 2K RP

Deal Subedar Deal Subedar
Link Copied

can u elaborate a little on this?

View 1 more reply
Generous Generous
Link Copied

Mere pincode par cc hi naho dete ye log.. aisa msg aaya rolleyes

Deal Subedar Deal Subedar
Link Copied

got the same error, seems like they only serve in states where they have their branch 😒

View 2 more replies
Helpful Helpful
Link Copied

Trying to find a logic for CC eligibility algorithms is futile.

In OP’s case, he entered HDFC CC limit, which they never verified. HDFC doesn’t report CC limit to CIBIL. Nothing works on faith here. So that being the criterion won’t be the case here. OP might be holding some premium card, which may have low limits. Lower limit doesn’t matter here, holding a premium card matters and this banks verify while enquiring CIBIL score.

Finance Ninja Finance Ninja
Link Copied

Card variant isn’t also mentioned in cibil bro. Only bank name is there.

So how come they gauge premiumness?

View 2 more replies
Deal Cadet Deal Cadet
Link Copied

Applying via alternate number helped application showed approved for select with 2L

Finance Ninja Finance Ninja
Link Copied

Mine was rejected triumph triumph.
What’s your cibil score if u don’t mind?

Deal Cadet Deal Cadet
Link Copied

Its more than 800

Deal Cadet Deal Cadet
Link Copied

Video Kyc done

Deal Cadet Deal Cadet
Link Copied

applied today after seeing this post. Completed my aadhar E-KYC and showed me IDFC Millennia card with 72k limit. Scheduled my V-KYC tomorrow. Now what are the chances of card approval?

https://cdn0.desidime.com/attachments/photos/741997/medium/Screenshot_2022-02-10-21-29-39-82_40deb401b9ffe8e1df2f1cc5ba480b12_2.jpg?1644512433

Deal Lieutenant Deal Lieutenant
Link Copied

Applied C2C ? 

View 2 more replies
Deal Cadet Deal Cadet
Link Copied

today tried to do V-kyc but just after I connected to their agent my call got disconnected. Now I’m unable to do V-kyc. Showing some network issues. Although I’ve 50mbps broadband in my home.🤣

Deal Cadet Deal Cadet
Link Copied

Applied yesterday did kyc card on boarded this morning select variant with 2l limit

Deal Cadet Deal Cadet
Link Copied

No physical verification for you? So only V-KYC for your application?

Deal Cadet Deal Cadet
Link Copied

Great service, donno why the staff didn’t give me idea to use alternate number which is on my name

Deal Cadet Deal Cadet
Link Copied

vkyc done just now. Let’s see.

Deal Cadet Deal Cadet
Link Copied

Yes I am idfc first customer too

Deal Cadet Deal Cadet
Link Copied

Showing this status from today. What are the chances of approval?

https://cdn0.desidime.com/attachments/photos/743660/medium/Screenshot_2022-02-15-14-11-59-04_40deb401b9ffe8e1df2f1cc5ba480b12_2.jpg?1644917061

Deal Lieutenant Deal Lieutenant
Link Copied

i applied in November for idfc select on C2C basis. I was given 2 lakh limit on basis of statement but after document pickup it was rejected after few days. Yesterday received a mail from IDFC for pre approved Select Credit card with limit of 2.5lakh. Opened the link and applied and card was generated instantly.

Ps- having idfc zero balance account from few years which I opened to get cashback 😝


Deal Cadet Deal Cadet
Link Copied

applied twice and rejected twice.

Have almost every other major bank’s card except StanChart & HSBC.

Tried from 2 numbers as well.

Not sure what they look for.

Wasted my time.

Deal Cadet Deal Cadet
Link Copied

Because of WFH I’m not available in my office so KYC agent can’t meet me in my office address. And now my application is on hold now what to do? Received below SMS today 

“Dear Pallab Patra , your credit card application no. could not be verified. Request you to provide your complete current residence and office address details with landmark here idfcfir.st/75t35. Your application will be on hold for next 3 days. Team IDFC FIRST Bank, #AlwaysYouFirst”

https://cdn0.desidime.com/attachments/photos/744042/medium/Screenshot_2022-02-16-15-27-16-94_0ce57feeccaa51fb7deed04b4dbda235_3.jpg?1645006928

Deal Cadet Deal Cadet
Link Copied

My IDFC Card approved today

https://cdn0.desidime.com/attachments/photos/745677/medium/Screenshot_2022-02-22-17-07-24-16_0ce57feeccaa51fb7deed04b4dbda235_2.jpg?1645532612



replyuser
Click here to reply
Reply