HDFC pre-approved card selection

[Professor X]

Received a pre-approved offer from hdfc.
3 cards to select.
Confused between diners club privilege and regalia.
Honestly i was hoping for millenia.

Please advise which one to go.
90% spends on online only.

To make ltf it says spend 1 lakh in 90 days. So is this still active. Heard conditional ltf has been stopped from hdfc side.

 

[Professor X]

This is not a pre approved offer. actually its a pre qualified offer.

Whats the difference.?

I got a cibil enquiry of 1000 from hdfc on the day i applied.

Although card was approved with same limit shown in offers page. 3L

 

[pjain2712]

Whats the difference.?

I got a cibil enquiry of 1000 from hdfc on the day i applied.

Although card was approved with same limit shown in offers page. 3L

I got same limit for my DCP.. after 20 days I am also planning to downgrade to Millennia.

 

[pjain2712]

Applied my own.

For Amazon voucher we need to do one ₹500 transaction before 15 days of card issuance date.. hope you are aware on that.

 

[pjain2712]

For Amazon voucher we need to do one ₹500 transaction before 15 days of card issuance date.. hope you are aware on that.

Any idea, where can we check exact issuance date of credit card? @hideaway

 

[pjain2712]

I also got pre approved offer Regalia of 3L. But asked my RM to downgrade it to Millenia. He applied for Millenia and it approved.

Was there any hard enquiry when it got downgraded?

 

[gautampai]

Need some clarification, I got an SMS from HDFC regarding pre-approved card. Just to see the procedure of applying, I filled the form. Got application number and another SMS saying application status complete. Does this mean I'll get card for sure or still physical verification will be done?

 

[SiddharthR]

Need some clarification, I got an SMS from HDFC regarding pre-approved card. Just to see the procedure of applying, I filled the form. Got application number and another SMS saying application status complete. Does this mean I'll get card for sure or still physical verification will be done?

As you had got a pre-approved offer, there will be no physical verification

 

[Rahul Gupta]

Whats the difference.?

I got a cibil enquiry of 1000 from hdfc on the day i applied.

Although card was approved with same limit shown in offers page. 3L

pre qualified is 50-50 approval chances. while in pre approved you will get your card 100%.

one way to know which offer you got is check the limit in offer, if its showing as upto 1 lacks then its a pre qualified and if its showing of 1 lacks then its pre approved. (upto) means it will be based on your profile.

 

[CardSeeker]

i got preapproved offer, Bank employee also called and informed.
No Limit Is showing, I asked the branch employee to confirm whether it's preapproved Or not
He confirmed the same with 1lakh limit, I applied the card ( business money back) and declined instantly

Any one faced the same issue?

 

[CardSeeker]

Need some clarification, I got an SMS from HDFC regarding pre-approved card. Just to see the procedure of applying, I filled the form. Got application number and another SMS saying application status complete. Does this mean I'll get card for sure or still physical verification will be done?

U got ur card?

 

[Batmanbaba]

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Are these pre-approved notifications/mails or marketing?

Looking for a pre-approved credit card from HDFC (for Onecard holder, no other card), what are the steps one need to aware during these pre-approved offers.

Don't want to waste pre-approved offer by rejection or un-necessary Cibil enquiries multiple times.

So, if anyone has experience could you guide how to check pre-approved notifications and what are the next steps to successfully get the Credit Card from HDFC bank?

Also, I saw some people get card variant along with limit, in this case we don't know anything. So, how to check which card they're offering and if we don't want that card, pre-approved offer still come or says you already have application in-progress like those messages?

Need your thoughts. Thanks!

No its not

 

[akshayhs]

View attachment 5865View attachment 5866View attachment 5867

Are these pre-approved notifications/mails or marketing?

Looking for a pre-approved credit card from HDFC (for Onecard holder, no other card), what are the steps one need to aware during these pre-approved offers.

Don't want to waste pre-approved offer by rejection or un-necessary Cibil enquiries multiple times.

So, if anyone has experience could you guide how to check pre-approved notifications and what are the next steps to successfully get the Credit Card from HDFC bank?

Also, I saw some people get card variant along with limit, in this case we don't know anything. So, how to check which card they're offering and if we don't want that card, pre-approved offer still come or says you already have application in-progress like those messages?

Need your thoughts. Thanks!

Check if you have any offers in your netbanking portal. There if you see any banner with x limit, that's usually a pre-approved offer.

 

[Batmanbaba]

How to identify one? Actually need to get either Millenia of higher without any documents. So, any tips on how to proceed these pre-approved mails/banners to get the required card?

I also wanted millenia... Applied once.. They rejected.. Just now applied for tata neu card.. It has been approved provisionally..... Limit also shown... Lets see what they do of it .... Was not getting any pre approved offer.. And with neu card u can have 2 hdfc cards so maybe they might give pre approved card in future

 

[akshayhs]

View attachment 5883

What are the chances of approval of this card? What should we do to get atleast Millennia? If we don't accept this offer now, when next offer comes?

Based on above comments it looks like pre-qualified offer, so is there any difference in procedure?

Check and see in the application portal if you're also seeing Millennia.

 

[akshayhs]

Ok, it won't trigger Cibil, right? Don't want to waste pre-approved by keeping the application in open state by doing that?

No, it will trigger once you apply for any card. You are free to look for choices at any time.

 

[TheTrickySid]

No, it will trigger once you apply for any card. You are free to look for choices at any time.

I didn't even get any CIBIL enquiry after applying for pre approved card.

 

[akshayhs]

I didn't even get any CIBIL enquiry after applying for pre approved card.

I did unfortunately

 

[Batmanbaba]

View attachment 5883

What are the chances of approval of this card? What should we do to get atleast Millennia? If we don't accept this offer now, when next offer comes?

Based on above comments it looks like pre-qualified offer, so is there any difference in procedure?

This is not a pre approved offer.... It will just show recommended card.... Mostly all cobranded... Atleast it was showing to me... Then I directly applied tara neu card on tata neu app.... They approved it in-principle with 64000 limkt

 

[akshayhs]

Last time when this type of notification came for Kotak account, we did same to check which cards they're offering. And they showed only FD based card, so we left without completing that. After that, no pre-approved offer, nothing. Only thing we have to do is either complete that FD based card (which we left incomplete) or apply offline through branch.

So, asking community to avoid this type of issue again with HDFC.

If we left, without proceeding for card selection will they offer another card later or it will always wait for us to complete that card or visit branch to apply new card normally without any pre-approved?

You'll certainly get better offers overtime. Until this week, for about 6 months, I was recommended to go for MoneyBack+ and IndiGo 6E. But when Tata Neu cards were announced it started showing that as well but I knew if I waited, there would be better offers.

On 15th I got another one of those notifications asking me to apply. Out of curiosity I went to apply for any card that is available just to see what are my options. That's when I started seeing Millennia, and other cards like 6E XL, Diners Club rewards etc. I didn't want to wait anymore so I applied for Millennia. Very quickly it was approved on MasterCard network and now I am expecting it to be delivered tomorrow.

Today, while checking my netbanking account I am seeing Millennia with 100k limit (Mine was pre-approved with 90k so not much to lose). You'll certainly get better offers over time. Give it some time. Don't hurry now since the card portfolio for your account is very mediocre now.

 

[akshayhs]

It showing "Freedom" card only and also when I tried again, it showing same card but with pop-up saying "your previous session saved, click to proceed". So, I stuck with this "Freedom" or will it change later based on relationship (didn't proceeded further after viewing the card).

@Batmanbaba / @akshayhs - your experience?

Yes, it has happened to me as well previously. I wouldn't want you to apply right away. Wait for some time so they refresh.