HDFC credit card pre-approved offer

[CARDBITRAGE]

I received a pre-approved credit card offer for a moneyback+ credit card. I have a MAB of close to 8L in my savings account and a few deposits with HDFC as well. Do I accept the offer and organically upgrade my card or wait for a better card? I would appreciate your valuable insights.

 

[hakunamatata]

I received a pre-approved credit card offer for a moneyback+ credit card. I have a MAB of close to 8L in my savings account and a few deposits with HDFC as well. Do I accept the offer and organically upgrade my card or wait for a better card? I would appreciate your valuable insights.

Nope, you should wait for either Regalia/Millennia

 

[Ram1]

Thats the problem with hdfc, they don't repect loyalty. Offering cheap cards to high nrv people.
I too had 12L nrv but they offered 1L milinia

 

[Alex292929]

@Ram1 after how much time they gave you 1L millenia? any better options after that?

 

[John123]

No way they are giving this card for maintaining 8L balance 😂🙏

 

[SSV]

No way they are giving this card for maintaining 8L balance 😂🙏

Do you think so? Then look at this... ( a wonderful HDFC experience so far)

I have a preferred account (3 months old) with SB balance of 13 lakhs(gradually increased), FD of 10 lakhs and and RD of 5k each month for 15 months..
I have paid for other banks CC bills thru hdfc billpay to the tune of about 5 lakhs till now.

Guess what, I was offered a paid moneyback card with upto 75k CL and just today I received an email with moneyback LTF with upto 125K CL...
Will wait for a few more months and see what they offer...

 

[CARDBITRAGE]

Do you think so? Then look at this... ( a wonderful HDFC experience so far)

I have a preferred account (3 months old) with SB balance of 13 lakhs(gradually increased), FD of 10 lakhs and and RD of 5k each month for 15 months..
I have paid for other banks CC bills thru hdfc billpay to the tune of about 5 lakhs till now.

Guess what, I was offered a paid moneyback card with upto 75k CL and just today I received an email with moneyback LTF with upto 125K CL...
Will wait for a few more months and see what they offer...

Why don't you try with ITR if you want a better card? You can use the NRV in your favour for further negotiations with your BM/RM.

 

[SSV]

I can, because I got severely impacted by COVID I don't have a great ITR for the last two years, this year I am back on track, meanwhile I am trying this and no urgency as such as well.

 

[CARDBITRAGE]

Oh okay. Bear with them. I received MB+ in the beginning as well. If you have good cashflow in your account, you will find better offers.

 

[AritraSaha]

I received a pre-approved credit card offer for a moneyback+ credit card. I have a MAB of close to 8L in my savings account and a few deposits with HDFC as well. Do I accept the offer and organically upgrade my card or wait for a better card? I would appreciate your valuable insights.

You can get tata neu+ ltf. I aslo got the pre-approved offer.

 

[SSV]

Oh okay. Bear with them. I received MB+ as well in the beginning as well. If you have good cashflow in your account, you will find better offers.

All my funds are going thru in and out this account only for the last 3 months on an average about 8 lakhs a month, let's see what I get

 

[CARDBITRAGE]

You can get tata neu+ ltf. I aslo got the pre-approved offer.

I already have Reglia Gold and Neu Infinity LTF.

 

[AritraSaha]

I already have Reglia Gold and Neu Infinity LTF.

Lol. Why are they giving you mb+ ?

 

[CARDBITRAGE]

Lol. Why are they giving you mb+ ?

Go through what I said earlier. 😛
They gave me MB+ in the beginning is what I said. I don't have any offers now. I guess I should wait and see how I can procure another card, though I'm not so keen on doing that.

 

[4uziaul]

Lol. Why are they giving you mb+ ?

That's how they start; think of it as a carrot dangling from a stick. 🤣

 

[SSV]

On a separate note, I am seriously thinking of opening a Poineer relationship with Indusind.. I already have Icici WM and HDFC preferred.. my local Indusind branch is only 5 minutes walk .Just a quick feedback if any.
I will discuss later in the Indusind forum

 

[4uziaul]

On a separate note, I am seriously thinking of opening a Poineer relationship with Indusind.. I already have Icici WM and HDFC preferred.. my local Indusind branch is only 5 minutes walk .Just a quick feedback if any.
I will discuss later in the Indusind forum

I can only say one thing, it will test your patience. 🤣

 

[SSV]

I can only say one thing, it will test your patience. 🤣

Is the whole system or based on our assigned staff?

 

[SSV]

I can only say one thing, it will test your patience. 🤣

Is there any post highlighting your indusind experience ? If so , could you please share? Thanks

 

[CARDBITRAGE]

Do you see the value? I'm happy with my Exclusive account. Their top-tier cards are pretty much useless. I would not bother taking it if it was not LTF. Even if it was, most of their cards would just be eye candy. Personally, I felt that the service through my branch is top-notch. Their customer care and the backend is quite lackluster. Their IT infra needs a BIG overhaul. At least half the time, it's unreliable. After everything I just said if you can somehow derive value for the NRV you will contribute, go ahead.