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Should I Take Pre Approved DCP Or Wait For Millennia?

GTSaketh

TF Premier
Hello, I opened digisave account around 8 months ago. I am getting LTF DCP pre approved offer. But I am not sure whether to get it or wait for millennia. The reason I can't wait is, I have HDFC Swiggy LTF offer in Swiggy App(which is the card i actually want) But waiting to get core card before getting Swiggy Card. Now I am afraid the LTF offer might change in Swiggy App.

I feel like DCP won't be useful for me apart from core card offers. Since I don't travel much. Also afraid of acceptance, especially I heard Razorpay doesn't accept Diners. But most websites use Razorpay. Imagine a website offers core card offers on HDFC cards, but not able to use it.

Also, I would like to know is it possible to upgrade to core cards like Millennia or Regalia Gold From DCP in future?
 
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Hello, I opened digisave account around 8 months ago. I am getting LTF DCP pre approved offer. But I am not sure whether to get it or wait for millennia. The reason I can't wait is, I have HDFC Swiggy LTF offer in Swiggy App(which is the card i actually want) But waiting to get core card before getting Swiggy Card. Now I am afraid the LTF offer might change in Swiggy App.

I feel like DCP won't be useful for me apart from core card offers. Since I don't travel much. Also afraid of acceptance, especially I heard Razorpay doesn't accept Diners. But most websites use Razorpay. Imagine a website offers core card offers on HDFC cards, but not able to use it.

Also, I would like to know is it possible to upgrade to core cards like...
Well, the only reason I want to get DCP now is so i can get HDFC Swiggy LTF offer i have from Swiggy App.

If one can assure that LTF offer won't expire in Swiggy App I don't mind waiting an year for millennia with higher limit
My Swiggy LTF offer is still live.. it keeps coming back after a couple of weeks.. it’s been like that for the last one year or so
 
@GTSaketh
I'm on the other bank of the river.
I have a paid millenia and the card renewal is up and I've already spent north of 1L on it easily. Just today, I was offered DCP as FYF.
Also, my wife has Millenia LTF. I wanted an HDFC 'points' card for smartbuy but wont spend 3L on DCP for fee waiver.

So will probably wait for the LTF offer for either of us.
DCP LTF is decent for Smartbuy spends and marketplace offers
 
@GTSaketh
I'm on the other bank of the river.
I have a paid millenia and the card renewal is up and I've already spent north of 1L on it easily. Just today, I was offered DCP as FYF.
Also, my wife has Millenia LTF. I wanted an HDFC 'points' card for smartbuy but wont spend 3L on DCP for fee waiver.

So will probably wait for the LTF offer for either of us.
DCP LTF is decent for Smartbuy spends and marketplace offers
The only problem with DCP is acceptance. I actually don't need Millennia, since I have Swiggy LTF offer(ofcourse there is a chance of rejection).

But I just want HDFC visa/MC cards that I can peacefully use anywhere for offers especially on small e commerce sites(Found few where they don't accept Diners). But it should a good card like millennia. So i will wait.
 
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