Pre Approved IDFC Select CC. Is it good ?

134°
Benevolent
akki.akki
dear dimers...
Today received a call from unknown number.. the caller was pretending to be a IDFC employee and he told me that I have pre approved offer of select credit card with 2.1 lakh limit. He also confirmed my address.

But the problem is to apply the CC he was asking for OTP on call and number from he called was also seem to be a personal number instead of bank's.

To cross verify I checked with IDFC customer care and executive also confirmed that i have select cc offer.

  1. Should I apply for Select CC ? Is it any good ot i should wait for Wealth CC ?
  2. Should I apply over call or is it a new scam ? smile

Do advice. TIA pray
23 Comments  |  
12 Dimers
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Generous Generous
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No Scam

No One has time to give/ pitch info on Cc first then pull the scam.

Scamster directly comes to the point where money extraction is involved.

Deal Lieutenant Deal Lieutenant
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If you are customer and you use app or net banking, why not you apply from there.

Pre approved offers are parked at app/net banking.

Just a thought 

Benevolent Benevolent
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yes I have the account with them. and its also showing Select cc as approved one. will probably apply from app only. @Adamantium
Deal Cadet Deal Cadet
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Do you have an account with IDFC Bank because recently I have been getting text messages from a number offering me ltf cards with benifits & limits from different banks where I don't even have any accounts 

Hunk Hunk
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If you have a offer , visit nearest branh and apply there

Beacon Beacon
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Its probably not a scam call...but if you have doubt then why not go and apply for yourself from the IDFC website...IDFC has a very simple and easy process for CC application and you will complete it in less than 5 minutes...DM me if you need referral link any help on how to apply

Generous Generous
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I had similar preapproved offer with good limit for select card (on Idfc official website).I gave it a pass. I also got a call from idfc agent. But I told him that I'm only interested in their wealth variant. 

Select cc is visa signature. Wealth is infinite. Rest about reward rate is similar I guess excl. Bms offer n all

Benevolent Benevolent
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I also told the same to agent that I m interested in wealth cc on which he told me you might get an upgrade as you use this.
bdw, did u get wealth cc ? 
Benevolent Benevolent
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Call Idfc Customer Care , Apply Over The Call , If U Apply Pre-approved Via Idfc Website 99% Chances Of Agent Verification Takes Some Time ( If U Failed To Provide Own House , Salary Documents Etc etc Card There Will Chances Of Decline And Pre-Approve Offer Will Lost ).


Over The Call , No Verification , Instant Happiness

Benevolent Benevolent
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ohh i did not know that it there is diff if application is given via agent vs thru netbanking for a pre approved cc...
as.... its showing select variant with 2 lakh limit in app/netbanking. 
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Pro DealBaba Pro DealBaba
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Idfc is giving ltf , need to check which varient it is

Benevolent Benevolent
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its showing select variant with 2 lakh limit in app/netbanking.
Finance Mentor Finance Mentor
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All is fine. But personally what’s attractive in the card for you?

I have this select variant, but find it of no use personally.

Idfc had touted this card as a lounge access card. However Lounge accesses have now spend based criteria.

Rewards on some restricted category is good, but rates are quite low, hence didn’t bother to use much. Also has redemption fees bringing down the effective reward rate lower.

Benevolent Benevolent
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guilty pleasure smile smile
Helpful Helpful
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Don't take.They closed my card without any notification because I didn't use the card in last 1 year.ICICI used to send sms or WhatsApp notification to give missed call to retain the card but idfc just closed the card and sent me email notifying the same.

Benevolent Benevolent
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actually its RBI's guideline to close the dormant cards, but bank should inform before doing so.
Helpful Helpful
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I Tried applying 3 times on idfc website.. they always offer me fd based wow card.. any way to get without fd card?

Benevolent Benevolent
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do u have saving account also with idfc ? if yes is your address under serviceable area ?
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