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Any chance to get a pre-approved DCB Metal as first unsecured card?

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LiamHouse

TF Select
Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? A 5L limit Regalia Gold will be fine as well as I can easily meet the spends requirements for the DCB upgrade. If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.
 
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Alex292929 said:
I just maintained 5L - 6L, No FDs, No Family Banking, No other relation.
I used to use my DC to pay for my other CC bills (30-50k a month)
If possible try to get your base account changed from DigiYouth to Sav Max Ac (25k MAB) and then get it upgraded to preferred.
Just to add I was offered Reg Gold, DCP, DCB(Not the metal one cause it was not launched that time).
You will start getting preaproveed offers within 1-2 Months, For me It started with moneyback 50K then millennia 1.25L, then millenia 3L limit, then one day I got 5L limit Reg Gold.
Also my RM is useless, she insisted me to take millennia, but TF community saved me.
Don’t settle for less. Take what you want.
Click to expand...
Atleast someone to back my words lol @SSV .

I litterally forgot about you alex.
 
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Alex292929 said:
I just maintained 5L - 6L, No FDs, No Family Banking, No other relation.
I used to use my DC to pay for my other CC bills (30-50k a month)
If possible try to get your base account changed from DigiYouth to Sav Max Ac (25k MAB) and then get it upgraded to preferred.
Just to add I was offered Reg Gold, DCP, DCB(Not the metal one cause it was not launched that time).
You will start getting preaproveed offers within 1-2 Months, For me It started with moneyback 50K then millennia 1.25L, then millenia 3L limit, then one day I got 5L limit Reg Gold.
Also my RM is useless, she insisted me to take millennia, but TF community saved me.
Don’t settle for less. Take what you want.
Click to expand...
The only difference between you and me will be that I do not have a several lakh limit credit card but I have a decent score and history. How long did it take you to be approved for Regalia Gold and DCB? I’m upgrading to Preferred and if they let me or I decide to increase the deposit, even Imperia. Should I go for Speciale Gold or just go to SavingsMax instead? I will be maintaining more than 5-6L and spending close to what you spent and on various bills. Is it a good idea to move my monthly sip from axis to this account as well?
 
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LiamHouse said:
The only difference between you and me will be that I do not have a several lakh limit credit card but I have a decent score and history. How long did it take you to be approved for Regalia Gold and DCB? I’m upgrading to Preferred and if they let me or I decide to increase the deposit, even Imperia. Should I go for Speciale Gold or just go to SavingsMax instead? I will be maintaining more than 5-6L and spending close to what you spent and on various bills. Is it a good idea to move my monthly sip from axis to this account as well?
Click to expand...
Hdfc considers NRV more than any other bank. You should go for savings max with preferred as this is the best combo and try to maintain minimum 7 lacks for 6 months aatleast.
 
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LiamHouse said:
The only difference between you and me will be that I do not have a several lakh limit credit card but I have a decent score and history.
Click to expand...
When the card is preapproved your existing card limit doesn’t matter (provided you have a decent history), you will get the limit mentioned in the promotional emails.
LiamHouse said:
How long did it take you to be approved for Regalia Gold and DCB?
Click to expand...
5-6 Months.
LiamHouse said:
I’m upgrading to Preferred and if they let me or I decide to increase the deposit, even Imperia.
Click to expand...
I would say keep it preferred only, According to me keeping 5-6L in preferred Ac(which is 3x of Preferred MAB) is better than maintaining 8-10L (which is just 1x of Imperia MAB)
LiamHouse said:
Should I go for Speciale Gold or just go to SavingsMax instead?
Click to expand...
What is Speciale Gold? 😕 I only know Sav Max and Regular Ac.
 
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Alex292929 said:
When the card is preapproved your existing card limit doesn’t matter (provided you have a decent history), you will get the limit mentioned in the promotional emails.

5-6 Months.

I would say keep it preferred only, According to me keeping 5-6L in preferred Ac(which is 3x of Preferred MAB) is better than maintaining 8-10L (which is just 1x of Imperia MAB)

What is Speciale Gold? 😕 I only know Sav Max and Regular Ac.
Click to expand...
I see, I'll go ahead with Preferred then. Speciale Gold is a higher account variant with 1L AQB, but going by your logic of times AMB it would be better if I go with savingsmax or would this not matter as much? Let's see how long they take to give me my first pre-approved card.

I had another question, how do you find out about these pre-approved offers? Do you need to go to the Credit Card portal and check every month or so (since I heard they refresh once a month) and get a CIBIL hit? or do they just contact you via email or whatsapp stating what card is pre-approved and with what limit?
 
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LiamHouse said:
I see, I'll go ahead with Preferred then. Speciale Gold is a higher account variant with 1L AQB, but going by your logic of times AMB it would be better if I go with savingsmax or would this not matter as much? Let's see how long they take to give me my first pre-approved card.

I had another question, how do you find out about these pre-approved offers? Do you need to go to the Credit Card portal and check every month or so (since I heard they refresh once a month) and get a CIBIL hit? or do they just contact you via email or whatsapp stating what card is pre-approved and with what limit?
Click to expand...
Login to netbanking and go to last offers tab. There you will see a banner with credit limit mentioned. Also you can talk to us here before applying if you have any doubts.
 
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Rahul Gupta said:
I had mulitple hdfc accounts.

Mom
dad
sisters
friend
friend's sister and brother

So we tried maintaining same balance in a savings max imperia and a digi youth nomal account. The fun part is if we maintained 4 lacks then hdfc gave 3 lacs limit but if we maintained 2 lacks then hdfc gave 1 to 1.5 lac limit. I even changed from self employed to salaried and then same account started showing ragalia instead of business ragalia previously.

Account variant only played a role in fees. We got fyf offer in imperia and preferred accounts but fully paid with joining fee offer in digi youth and savings max without HNI program ones.

My father maintained the highest amount of 8 lac balance + 50 lac FD and he got a business ragalia with 5 lac limit then after three months dcb with 8 lac limit. Now i have increased the account balance to 15 lac and waiting for infinia pre-approved and as per my experience it should come within a year.

I am also gonna close my millennia soon as my family group NRV with hdfc is in crores and they are not giving me any good LE. I will then try this method on my own account for infinia.

Btw my friend maintained 1.2 lac and he got a buisness moneyback with 1 lac limit and his work details were set as self employed. Later we changed it to salaried and then he got millennia with same 1 lac limit.

Hdfc business moneyback was my first cc and i was desperate at that time so i took it with 1 lakh limit (later upgraded to millennia and LE to 2.4 lacs).

I wish i had known these things earlier.

Btw how did you get your infinia @SSV ?
Click to expand...
I forgot to ask, was this pre approved DCB the metal variant or the plastic one?
 
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LiamHouse said:
Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? A 5L limit Regalia Gold will be fine as well as I can easily meet the spends requirements for the DCB upgrade. If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.
Click to expand...
U L I P !!
 
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Rahul Gupta said:
I had mulitple hdfc accounts.

Mom
dad
sisters
friend
friend's sister and brother

So we tried maintaining same balance in a savings max imperia and a digi youth nomal account. The fun part is if we maintained 4 lacks then hdfc gave 3 lacs limit but if we maintained 2 lacks then hdfc gave 1 to 1.5 lac limit. I even changed from self employed to salaried and then same account started showing ragalia instead of business ragalia previously.

Account variant only played a role in fees. We got fyf offer in imperia and preferred accounts but fully paid with joining fee offer in digi youth and savings max without HNI program ones.

My father maintained the highest amount of 8 lac balance + 50 lac FD and he got a business ragalia with 5 lac limit then after three months dcb with 8 lac limit. Now i have increased the account balance to 15 lac and waiting for infinia pre-approved and as per my experience it should come within a year.

I am also gonna close my millennia soon as my family group NRV with hdfc is in crores and they are not giving me any good LE. I will then try this method on my own account for infinia.

Btw my friend maintained 1.2 lac and he got a buisness moneyback with 1 lac limit and his work details were set as self employed. Later we changed it to salaried and then he got millennia with same 1 lac limit.

Hdfc business moneyback was my first cc and i was desperate at that time so i took it with 1 lakh limit (later upgraded to millennia and LE to 2.4 lacs).

I wish i had known these things earlier.

Btw how did you get your infinia @SSV ?
Click to expand...
any update on your father's pre-approved offers since this post? I have been maintaining 13L in my account for a few weeks waiting for DCB/Infinia.
 
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