Any Premium HDFC CC Suggestions for HDFC Preferred Banking?

[baran12]

Hey Guys, I was recently upgraded to HDFC preferred banking. A month ago I guess. I maintain an AMB of 10-12L with them and have Millenia CC at the moment. Though any of the rest of the features and facilities seem of no use to me like locker benefits etc, anything I can make use of the relationship from a credit card standpoint?

Any premium version of CCs I can take leveraging this relationship for LTF access? An income of around 2.7-3L gets credited to my account every month if that's helpful.

 

[infinia_dedo]

Preferred Programme is just a joke tbh! Better get Classic instead and enjoy the same benefits. Or if you can secure a Locker for yourself, do FDs & get under Imperia Programme.

The benefit of "Premium Cards" is for namesake only. HopelessDFC considers Millennia as a Premium Offering and Regalia Gold as a super-premium card 🤣

There are 0 Lifestyle benefits associated with Preferred. Attaching HDFC upgrade form just to let you know what they consider a Premium and Super-premium offering.

So if you feel left out, it's because basically HDFC doesn't give a damn about its banking customers and treat CCs as a separate relationship in their view.

Boss there is a big benefit in Preferred

You dont pay like a fool for IMPS txns

I know Preferred is useless, but dont say take Classic instead

 

[infinia_finally]

Boss there is a big benefit in Preferred

You dont pay like a fool for IMPS txns

I know Preferred is useless, but dont say take Classic instead

Actually post-UPI, isn't IMPS redundant? UPI also uses IMPS backend (news from initial days).

But yes, without preferred, they might charge for NEFT too I think; don't remember though.

 

[Yugi]

If you had no CCs with HDFC thus far, Infinia is guaranteed at a salaried income of ₹2.75L+ per month(source: I am an Infinia holder and got my card that way only).

Since you already hold a Millenia, your existing relationship with HDFC bank comes into play as well. If I were you, I'd reach out to the HDFC POC from current organization instead of bank RM, and ask them to issue Infinia since you meet the salary criteria. They should oblige.

Infinia LTF only exists in theory so far(metal variant). I am yet to come across any person, no matter their salary or diplomat status, who holds Infinia Metal LTF.

There are many in the forum who have Infinia Metal as LTF, they got it by ULIPs or initial funding.

 

[NewUser]

There are many in the forum who have Infinia Metal as LTF, they got it by ULIPs or initial funding.

That's news to me. Thanks. Please post the link if you have where people have claimed to have Infinia LTF(Metal)

 

[Yugi]

That's news to me. Thanks. Please post the link if you have where people have claimed to have Infinia LTF(Metal)

@S S V @elite34700 got Infinia Metal LTF

You can read this post too: LTF Infinia Upgrade Experience | TechnoFino - #1 Community Of Credit Card & Banking Experts

 

[SSV]

That's news to me. Thanks. Please post the link if you have where people have claimed to have Infinia LTF(Metal)

@S S V @elite34700 got Infinia Metal LTF

You can read this post too: LTF Infinia Upgrade Experience | TechnoFino - #1 Community Of Credit Card & Banking Experts

Here it is:
Please don’t ask how I got it, Search the forum for more details…

 

[hedgehog2122]

I work for a US-based company so I pay taxes on 50% of my income under presumptive taxation. So my last year's ITR was 9lakhs something considering a 50% amount. This year's ITR when it is generated will show around 18-20L considering 50% income. Account history with HDFC is since August last year. They did call me once a few months later after the account was opened as to why my account has foreign money deposits of 2.7L every month. Maybe they wanted to categorize that transaction on their end so I told them that time that I work for a US company so it's my salary figure which is being deposited. But here in India, I guess my job is now treated as professional income/ sort of freelancer. So I do find it difficult to apply for cards in general. Here in this case ITR would still be a blocker I guess.

Open to any other LTF premium CC suggestions as well.

I am assuming you are filing ITR 4, which is meant for self employed professional. Rather than just with acknowledgement try with full computation statement showing gross income rather than taxable income in case you are applying through branch.
Easy way is try online or C2C and select salaried rather than self employed, it might do the trick as long as you have a decent limit on millenia.
Good Luck

 

[cardio_guy]

Hi Friends, I have a similar question.
I have only HDFC Swiggy card, but other than that I do not have any relation with HDFC.
And (maybe) because of that I am not getting any HDFC credit cards.
Would it be a good decision to open salary account in HDFC so that I can get some premium cards as LTF?
Mainly looking for HDFC Tatta Neu infinity and Regalia Gold. Net salary credit per month is close to 1.8L.

 

[Fini7777]

Hi Friends, I have a similar question.
I have only HDFC Swiggy card, but other than that I do not have any relation with HDFC.
And (maybe) because of that I am not getting any HDFC credit cards.
Would it be a good decision to open salary account in HDFC so that I can get some premium cards as LTF?
Mainly looking for HDFC Tatta Neu infinity and Regalia Gold. Net salary credit per month is close to 1.8L.

Firstly, U have to close the HDFC swiggy cc
HDFC doesn't offer any other core cards if u only have their co-branded card
U will get good core cards from HDFC if u open their sal account or SB account but as u already hold swiggy cc chances r very less bcoz it's a co-branded card
I'm on the same boat struggling to get their core card but As I already hold tata neu infinity they r rejecting my applic

What u can do:
1. open account and maintain max funds u can and wait for 3-4 months if u don't get a pre approved cc offer send an email to them and req for their core cards like millennia/RG.
2. Go to branch and apply via c2c route but chances are less.
3. close ur swiggy card and after 1 day of receving closure cnf Apply for any core card based on ur spending pattern.

After getting core cc u can apply for tata neu inf/swiggy/ any other co-branded cards

 

[cardio_guy]

Firstly, U have to close the HDFC swiggy cc
HDFC doesn't offer any other core cards if u only have their co-branded card
U will get good core cards from HDFC if u open their sal account or SB account but as u already hold swiggy cc chances r very less bcoz it's a co-branded card
I'm on the same boat struggling to get their core card but As I already hold tata neu infinity they r rejecting my applic

What u can do:
1. open account and maintain max funds u can and wait for 3-4 months if u don't get a pre approved cc offer send an email to them and req for their core cards like millennia/RG.
2. Go to branch and apply via c2c route but chances are less.
3. close ur swiggy card and after 1 day of receving closure cnf Apply for any core card based on ur spending pattern.

After getting core cc u can apply for tata neu inf/swiggy/ any other co-branded cards

yes. That is my problem also.
My thought is - if I open a salary account with HDFC, without even closing Swiggy card, will they offer core card?
The RM told two ways of applying to cards - salary slip or ITR based and then account usage based.
For salary slip or ITR based, I need to provide 3 months salary slip, but I am not sure if they will give it LTF.
Account usage based - will take time, but again, depends on salary credit and how much amount I keep with them, they will offer.

 

[Fini7777]

yes. That is my problem also.
My thought is - if I open a salary account with HDFC, without even closing Swiggy card, will they offer core card?

possible, but wait for the Pre-Approved offer like I said in 1st point

The RM told two ways of applying to cards - salary slip or ITR based and then account usage based.
For salary slip or ITR based, I need to provide 3 months salary slip, but I am not sure if they will give it LTF.
Account usage based - will take time, but again, depends on salary credit and how much amount I keep with them, they will offer.

As u r looking for LTF cards salary slips method may not work for u

Before opening account Send an email to their grievance team and req for Millennia LTF or FYF based on inc docs, there r chances for approval, if it doesn't work then go ahead and open salary account

 

[Chacha_vidhayak]

yes. That is my problem also.
My thought is - if I open a salary account with HDFC, without even closing Swiggy card, will they offer core card?
The RM told two ways of applying to cards - salary slip or ITR based and then account usage based.
For salary slip or ITR based, I need to provide 3 months salary slip, but I am not sure if they will give it LTF.
Account usage based - will take time, but again, depends on salary credit and how much amount I keep with them, they will offer.

Currently my mother has a fd of 9L in hdfc , so i talked with my RM regarding getting any core hdfc card ( already having tata neu plus ) so he advised me to break the fd and get fd based hdfc biz black card with limit same upto the fd amt … So imo the fd will serve dual purpose for me and i will use the card and get great returns upto 2-3 yrs untill i wish to close the FD . I’m going to try this method … same situation as u ,in hunt for HDFC cards ….

 

[fradela]

Hi Friends, I have a similar question.
I have only HDFC Swiggy card, but other than that I do not have any relation with HDFC.
And (maybe) because of that I am not getting any HDFC credit cards.
Would it be a good decision to open salary account in HDFC so that I can get some premium cards as LTF?
Mainly looking for HDFC Tatta Neu infinity and Regalia Gold. Net salary credit per month is close to 1.8L.

You will get Regalia Gold as a LTF.