IDFC First Bank Wealth Credit Card Hands-on Experience

This article covers only the unboxing, upgrade and hands-on experience of the IDFC First Bank Wealth Credit Card.

If you’re looking for features & benefits along with the detailed review, please check out this article IDFSC wealth credit card review

Upgrade process

I requested for a Limit Enhancement along with the card upgrade from Select to Wealth few months ago via phone banking, which was then handled by email support. But it was declined.

I thought it’s because the card is less than a year old and so left it. I didn’t bother much back then as the reward rate anyway is same.

But then after the recent devaluation, I sent the request again, now the card is more than a year old, this time through branch via Wealth RM & BM. They couldn’t do anything initially and only on aggressive follow up it moved, almost after “2 months”.

First LE was done because wealth needs to have 5L minimum credit limit. But I see some holding wealth on 4L limit as well, which was the max limit issued on select cards back then.

So post LE, an upgrade was expected to happen as per the branch, but it didn’t. It didn’t move for 2 weeks and so I took social media support and got the upgrade approval in “3 hours”. I was able to see the virtual card in a day and the physical card was delivered in a week.

Overall, the bank is WORST in communicating about the limit enhancement & upgrade process even to their branch heads. It’s not the first time this is happening with IDFC though. They did the same when they launched premium banking products.

But it’s good to see that the bank has given power to the social media support to get things done pretty fast.

So as I wasted quite a lot of time with IDFC, I’ve decided to dedicate IDFC cards for all lounge access needs going forward.