Not Received any good Pre-Approved card offers from HDFC. What would be the right option?

[sushant4]

I am in a similar situation, I got moneyback+(40000) in the beginning and got a rupay virtual card with a shared limit. I wasn't getting any upgrade offers hence I went ahead to apply through the branch for an upgrade and limit increase, the limit got to 100000 and got millennia but that was a chargeable card hence I closed it. Now I have the virtual rupay card with 100000 limit and not getting any upgrade offers. I'm thinking of canceling this one and then waiting. Let me know what are your opinions.

I am a salaried employee with HDFC and a High Network Individual with HDFC, yet I'm only getting a loan and no card upgrades.

Meanwhile, my colleagues have received Regalia Gold LTF with a 3 lakh limit on the first go.

 

[D₹V]

Not in mood to answer the question.

Good night 💤.

 

[Akr706]

I am in a similar situation, I got moneyback+(40000) in the beginning and got a rupay virtual card with a shared limit. I wasn't getting any upgrade offers hence I went ahead to apply through the branch for an upgrade and limit increase, the limit got to 100000 and got millennia but that was a chargeable card hence I closed it. Now I have the virtual rupay card with 100000 limit and not getting any upgrade offers. I'm thinking of canceling this one and then waiting. Let me know what are your opinions.

I am a salaried employee with HDFC and a High Network Individual with HDFC, yet I'm only getting a loan and no card upgrades.

Meanwhile, my colleagues have received Regalia Gold LTF with a 3 lakh limit on the first go.

Close the rupay card and wait for a couple of months.

 

[Chaitanya-a]

Lol when you have gotten the opportunity to hold one of the best cashback card, you closed it. Its pretty easy to meet 1L spend in a year to get fee waiver for Millenia.

 

[sushant4]

Lol when you have gotten the opportunity to hold one of the best cashback card, you closed it. Its pretty easy to meet 1L spend in a year to get fee waiver for Millenia.

The millennia was a chargable card. I have other cards for cashback, SBI CB, and Axis ACE. I just want a higher variant LTF card from HDFC.

 

[panu24]

The millennia was a chargable card. I have other cards for cashback, SBI CB, and Axis ACE. I just want a higher variant LTF card from HDFC.

You should have used Millennia for good spends and tried to ask HDFC to convert it to LTF. Also, I think only new customers of bank can get directly LTF cards like Millennia or Regalia via offline application.

 

[sushant4]

You should have used Millennia for good spends and tried to ask HDFC to convert it to LTF. Also, I think only new customers of bank can get directly LTF cards like Millennia or Regalia via offline application.

Since I got the millennia via upgrade, I was told that card can't be at all converted to LTF, I confirmed it with customer care, hence I closed it.

 

[Walter White]

I am in a similar situation, I got moneyback+(40000) in the beginning and got a rupay virtual card with a shared limit. I wasn't getting any upgrade offers hence I went ahead to apply through the branch for an upgrade and limit increase, the limit got to 100000 and got millennia but that was a chargeable card hence I closed it. Now I have the virtual rupay card with 100000 limit and not getting any upgrade offers. I'm thinking of canceling this one and then waiting. Let me know what are your opinions.

I am a salaried employee with HDFC and a High Network Individual with HDFC, yet I'm only getting a loan and no card upgrades.

Meanwhile, my colleagues have received Regalia Gold LTF with a 3 lakh limit on the first go.

Branch jaake C2C pe Regalia Gold LTF lelo

 

[sushant4]

Branch jaake C2C pe Regalia Gold LTF lelo

I have ICICI coral with 3 L, Axis Select with 2.68L and IDFC Select with 2.7L, konsa better hai C2C ke liye

 

[RishiKiDev]

I have ICICI coral with 3 L, Axis Select with 2.68L and IDFC Select with 2.7L, konsa better hai C2C ke liye

Go with Axis Select. HDFC doesn't consider ICICI cards much and IDFC doesn't exist for HDFC

 

[varun__goel_]

I have ICICI coral with 3 L, Axis Select with 2.68L and IDFC Select with 2.7L, konsa better hai C2C ke liye

Regalia gold LTF = C2C 3L Limit
Here 3L icici is not considered as card by hdfc,
Axis has lower limit
Hence, LHS ≠ RHS
Application approved
30k limit on moneyback
Enjoy

 

[VasukiVasuki is verified member.]

I am in a similar situation, I got moneyback+(40000) in the beginning and got a rupay virtual card with a shared limit. I wasn't getting any upgrade offers hence I went ahead to apply through the branch for an upgrade and limit increase, the limit got to 100000 and got millennia but that was a chargeable card hence I closed it. Now I have the virtual rupay card with 100000 limit and not getting any upgrade offers. I'm thinking of canceling this one and then waiting. Let me know what are your opinions.

I am a salaried employee with HDFC and a High Network Individual with HDFC, yet I'm only getting a loan and no card upgrades.

Meanwhile, my colleagues have received Regalia Gold LTF with a 3 lakh limit on the first go.

So u r unhappy with non ltf status or the limit provided .

 

[VasukiVasuki is verified member.]

I have ICICI coral with 3 L, Axis Select with 2.68L and IDFC Select with 2.7L, konsa better hai C2C ke liye

Axis any day 🤘

 

[varun__goel_]

I am in a similar situation, I got moneyback+(40000) in the beginning and got a rupay virtual card with a shared limit. I wasn't getting any upgrade offers hence I went ahead to apply through the branch for an upgrade and limit increase, the limit got to 100000 and got millennia but that was a chargeable card hence I closed it. Now I have the virtual rupay card with 100000 limit and not getting any upgrade offers. I'm thinking of canceling this one and then waiting. Let me know what are your opinions.

I am a salaried employee with HDFC and a High Network Individual with HDFC, yet I'm only getting a loan and no card upgrades.

Meanwhile, my colleagues have received Regalia Gold LTF with a 3 lakh limit on the first go.

You won't receive pre approved offer as you are already holding rupay cc. Cancel that first.
Then just patience game begin, you will have to wait for atleast for a year to get pre approved ltf cc. Do spend via dc on shopping, food, etc to get good limit and higher variant.

 

[varun__goel_]

Axis any day 🤘

Axis won't work here as limit is lower than 3L. Very low chances of approval. If OP wants to take chance, he can...

 

[Walter White]

I have ICICI coral with 3 L, Axis Select with 2.68L and IDFC Select with 2.7L, konsa better hai C2C ke liye

Ek kaam karo. Ek Amex lelo FYF pe. Us pe limit better hi milega. Us se C2C karana. Amex close karva lena phir.

 

[D₹V]

Branch jaake C2C pe Regalia Gold LTF lelo

Kya fayda jab itni bak**** ke baad sirf regalia hi mile. Jo ki millennia ke baad ka card hai.

Lena hai to kam se kam DCB LTF lo 🤣🤣.

 

[Walter White]

Kya fayda jab itni bak**** ke baad sirf regalia hi mile. Jo ki millennia ke baad ka card hai.

Lena hai to kam se kam DCB LTF lo 🤣🤣.

Ab nhi milta DCB LTF alumni offer pe bhi. Devaluation ke baad Infinia bhi sense nhi banta.

 

[varun__goel_]

Ek kaam karo. Ek Amex lelo FYF pe. Us pe limit better hi milega. Us se C2C karana. Amex close karva lena phir.

6 months to phir bhi rukna padega🙃🙃

 

[Walter White]

6 months to phir bhi rukna padega🙃🙃

3 at max