Any trick to get Swiggy HDFC CC Life time free.

[STONE_MAN]

My swiggy account is blocked. ( please don't ask why)



When I tried to apply through HDFC portal, they are giving it with Annual fees.



Already contacted HDFC RM & credit card team. They are saying that they can't help if it's not being shown as ltf in their system. He suggested me to visit branch, but he did not guaranteed that branch people will be able to offer it as LTF.



My cibil and complete credit history is good, I also hold salary account with HDFC.



Is there any way I can get it for free?



Can I just apply it, and once it gets delivered then don't activate and then wait for the call from their end and then try to negotiate?



Do they even call if the card is not activated within 30 days? And if they do so then what are the chances that they will offer it as LTF to me?



Also, I hope if card will not be activated then I will not be charged annual fees



If they fail to offer it as LTF and the card gets blocked, then how it will shows in cibil reports.



Personally I don't spend a lot, that's why getting it without LTF will be of no use to me. To give you an idea, I will be hardly able to get 800-900 cashback from this card in a year. Also, I only use swiggy 4-5 times in a year ( When there is any loot).

 

[anisharya16]

Finally, my card got converted to ltf.

How bro, please tell

 

[maneesh]

Finally, my card got converted to ltf.

I have applied through swiggy app as paid card but I have not activated it.
I have sent a mail by attaching ltf screenshot from this group and asked them to convert it LTF and today I got a response that my card is converted to ltf.

 

[CreditCardFino]

I have applied through swiggy app as paid card but I have not activated it.
I have sent a mail by attaching ltf screenshot from this group and asked them to convert it LTF and today I got a response that my card is converted to ltf.

When did you do this?

 

[Akash.nagori]

Finally, my card got converted to ltf.

Please share your experience

 

[AllThatStuff]

I too sent a mail to convert my paid HDFC Swiggy card to LTF, attaching a screenshot of the LTF offer.
In response, I received the following email from HDFC..



Can someone plz explain what does this mail mean…is my card converted to LTF or not??

 

[CreditCardFino]

I too sent a mail to convert my paid HDFC Swiggy card to LTF, attaching a screenshot of the LTF offer.
In response, I received the following email from HDFC..

Can someone plz explain what does this mail mean…is my card converted to LTF or not??

If you received offer communication from Swiggy earlier then it will get converted to LTF automatically you should activate the card within 37 days.

 

[maneesh]

When did you do this?

3 week's back

 

[CreditCardFino]

3 week's back

After VKYC how long it takes for card delivery?

 

[maneesh]

After VKYC how long it takes for card delivery?

With in 10-15 days

 

[CreditCardFino]

With in 10-15 days

Without offer communication from Swiggy it got converted? it says only for those communicated by Swiggy are eligible for LTF. Post 90 days if they charge Rs 500 you can't challenge them as you don't have communication proof.

 

[AllThatStuff]

If you received offer communication from Swiggy earlier then it will get converted to LTF automatically you should activate the card within 37 days.

…meaning they have done nothing to convert my paid card to LTF…right??

 

[CreditCardFino]

…meaning they have done nothing to convert my paid card to LTF…right??

Exactly, they want you to contact them post 90 days if it is not converted to LTF

 

[maneesh]

Without offer communication from Swiggy it got converted? it says only for those communicated by Swiggy are eligible for LTF. Post 90 days if they charge Rs 500 you can't challenge them as you don't have communication proof.

I have email proof that my card converted to ltf.

 

[maneesh]

Without offer communication from Swiggy it got converted? it says only for those communicated by Swiggy are eligible for LTF. Post 90 days if they charge Rs 500 you can't challenge them as you don't have communication proof.

I have even verified it with the customer care and even through their social media support team and they have confirmed that my card is ltf. So I have that conversation as proof.

 

[Anindya98]

I have even verified it with the customer care and even through their social media support team and they have confirmed that my card is ltf. So I have that conversation as proof.

share the Email ID and email format

 

[Animesh67]

share the Email ID and email format

same + 1

 

[CreditCardFino]

I have even verified it with the customer care and even through their social media support team and they have confirmed that my card is ltf. So I have that conversation as proof.

Customer care executive sent an email hoping you are an eligible customer. Later as per TnC if joining fee is levied then it all goes back to offer communication email proof for reversal. They can again say that executive was mistaken you have received offer email/SMS and converted to LTF but it shows you number/email was not eligible for LTF. As per TnC eligible customer must activate within 37 days to get LTF but you said they converted LTF before activation. Now don't panic. I mean you need solid proof to challenge if they levy fee even with RBI. Even for other banks cc executive response vary from person to person better have solid proof.

 

[CreditCardFino]

share the Email ID and email format

He posted it on another thread

Template -

Hello,

I have recently applied for swiggy HDFC Bank credit card through swiggy ltf offer and got approved (last 4 digits - ****). I just wanted to confirm it's ltf status as some were applied through ltf offer but got paid card. I have approached customer support through call and Facebook and got to know that my card is chargeable card.

I already hold hdfc millennia credit card and never faced any issue as of now. But my swiggy credit card approved as paid card instead of ltf.

I have attached screenshot for your reference, please resolve my issue as soon as possible.

Thanks & Regards,
Full Name
Mobile number

 

[Bakayaro]

Finally, my card got converted to ltf.

How did u do it?

 

[maneesh]

How did u do it?

Just mail hdfc that "my card is paid but it was shown as ltf during application and attached ltf ss".

It took them a week to convert my paid card to ltf