Any way to get HDFC core credit card for Co-brabded cc holders

[Fini7777]

I know a lot of ppl here facing this issue

Has anyone here started with an HDFC co-branded credit card and later successfully got an HDFC core credit card without closing co-branded one?

A common issue that I’ve noticed is that if you get your first credit card from HDFC as a co-branded card, it becomes quite challenging to obtain a core HDFC credit card later on. For those who’ve been through this, you might understand how tricky it can be to add a core HDFC card to your portfolio.

I’m curious to know if anyone has managed to navigate this hurdle and successfully received an HDFC core credit card after starting with a co-branded one. If you did, could you share how you went about it?

 

[aniketkr.sharma]

I know a lot of ppl here facing this issue

Has anyone here started with an HDFC co-branded credit card and later successfully got an HDFC core credit card without closing co-branded one?

A common issue that I’ve noticed is that if you get your first credit card from HDFC as a co-branded card, it becomes quite challenging to obtain a core HDFC credit card later on. For those who’ve been through this, you might understand how tricky it can be to add a core HDFC card to your portfolio.

I’m curious to know if anyone has managed to navigate this hurdle and successfully received an HDFC core credit card after starting with a co-branded one. If you did, could you share how you went about it?

Yes, I had a tata neu plus fyf then upgraded to tata neu infinity fyf and then upgraded to millennia fyf and converted to ltf and then got tata neu infinity fyf and and now upgraded to regalia gold ltf and found tata neu infinity also got ltf, now trying to upgrade for dcb asap

 

[pankaj_ji]

Yes, I had a tata neu plus fyf then upgraded to tata neu infinity fyf and then upgraded to millennia fyf and converted to ltf and then got tata neu infinity fyf and and now upgraded to regalia gold ltf and found tata neu infinity also got ltf, now trying to upgrade for dcb asap

Please share how you carried out this tremendous journey?

 

[aniketkr.sharma]

Please share how you carried out this tremendous journey?

Already shared most of the part, earlier I was having a savings max account that was converted to salary after 2-3 months of opening and from that after 2 years in 2023 i got a tata neu plus with 1.5 lakhs limit and I asked customer care to upgrade it as I was getting only option of tata neu plus while applying card and as 1.5 lakhs was base limit of tata neu infinity so they upgraded it and then after emailing to grievance team they converted it to millennia.

 

[cardio_guy]

It is easy if you open a salary account. No need to close or upgrade existing co branded cards. They will directly give you core cards. Apart from salary account route, all other methods are very difficult and nearly imposible.


But after opening salary account, wait for 6 months. Let the salary comes for a few months and let the offer get generated for you, it gets enabled mostly based on salary amount. If net salary is more than 1L then you have good chance.

 

[the_collector]

Hate this policy of hdfc 🙁

I have 3 co branded cards now and no core card, would hate if I have to close 3 cards just to get 1 card.

Swiggy, infinity and marriott

 

[tachniki]

I had Neu infinity. Opened a saving max. Acquired Preferred relationship with 10 L FD. Got RM. Applied for Infinia based on payslip through RM. Told RM will not close existing co branded card. RM and BM did all hard work of navigating inside HDFC for approval. In process, RM asked to close existing card but I had straight no on that.

 

[Sahil_07]

I know a lot of ppl here facing this issue

Has anyone here started with an HDFC co-branded credit card and later successfully got an HDFC core credit card without closing co-branded one?

A common issue that I’ve noticed is that if you get your first credit card from HDFC as a co-branded card, it becomes quite challenging to obtain a core HDFC credit card later on. For those who’ve been through this, you might understand how tricky it can be to add a core HDFC card to your portfolio.

I’m curious to know if anyone has managed to navigate this hurdle and successfully received an HDFC core credit card after starting with a co-branded one. If you did, could you share how you went about it?

I still have not tried it.
But if you need core card only for discount purpose,you can apply the rupay virtual credit card.
You will be given it as ltf and pre approved card if you don't have a rupay co-branded card but if you hold a rupay co-branded card,you can still apply the paid version (99 charges may be), some people said they will approve this card instantly unlike core cards.

 

[Fini7777]

I still have not tried it.
But if you need core card only for discount purpose,you can apply the rupay virtual credit card.
You will be given it as ltf and pre approved card if you don't have a rupay co-branded card but if you hold a rupay co-branded card,you can still apply the paid version (99 charges may be), some people said they will approve this card instantly unlike core cards.

I had rupay cc and moneyback+ but I closed them and I am currently using tata neu inf , I can't close this card as I use this card for all my regular spends
I've pref banking Relation with HDFC and my aim is to get infinia/DCB so, I need atleast RG or in the worst case Millennia

 

[dexter_greycells]

Yes, I had a tata neu plus fyf then upgraded to tata neu infinity fyf and then upgraded to millennia fyf and converted to ltf and then got tata neu infinity fyf and and now upgraded to regalia gold ltf and found tata neu infinity also got ltf, now trying to upgrade for dcb asap

HDFC Credit Cards Customer Care Team probably hates you 🤣

 

[dexter_greycells]

A family member had a TIMES card for nearly 9 years. The credit limit had reached 12L after multiple increases. They had been trying to get a core card for the last 2 years. Once they applied for DCP and were rejected. RMs (Imperia customer) kept repeating the same thing - "Sir...please close the co-branded CC so that we can apply for the core card". However, the family member wanted to keep the TIMES card because of one super-power - 50% on BMS on single tickets 4 times a month up to a total of Rs 600 per month.

Anyway, 4 months ago they went to the usual HDFC CC apply site when you have to enter your PAN / mobile number if you are an existing customer and they show you the cards offered to you. Lo and behold - they were offered BizBlack and BizPower probably because they are a CA and listed as self-employed. They applied for BizBlack and it was approved within hours with no documentation.

Curiously, another family member was offered an Infinia on Netbanking after opening a 75L FD back in 2018 or 2019 (they were not even looking to get a CC. The FD had to be booked for other reasons). They applied and got it. A third family member whose salary account is with HDFC just went to the usual HDFC CC apply site and were shown Infinia Metal, DCB and one more card. Their salary was closer to DCB's criteria. They applied for DCB and got it.

As I said before, with HDFC you need to let things come to you rather than go after them. Some people have had success with relationship-cancellation threats and dozens of emails to various HDFC email IDs. The family members never had an inclination to do any of that.

 

[aniketkr.sharma]

A family member had a TIMES card for nearly 9 years. The credit limit had reached 12L after multiple increases. They had been trying to get a core card for the last 2 years. Once they applied for DCP and were rejected. RMs (Imperia customer) kept repeating the same thing - "Sir...please close the co-branded CC so that we can apply for the core card". However, the family member wanted to keep the TIMES card because of one super-power - 50% on BMS on single tickets 4 times a month up to a total of Rs 600 per month.

Anyway, 4 months ago they went to the usual HDFC CC apply site when you have to enter your PAN / mobile number if you are an existing customer and they show you the cards offered to you. Lo and behold - they were offered BizBlack and BizPower probably because they are a CA and listed as self-employed. They applied for BizBlack and it was approved within hours with no documentation.

Curiously, another family member was offered an Infinia on Netbanking after opening a 75L FD back in 2018 or 2019 (they were not even looking to get a CC. The FD had to be booked for other reasons). They applied and got it. A third family member whose salary account is with HDFC just went to the usual HDFC CC apply site and were shown Infinia Metal, DCB and one more card. Their salary was closer to DCB's criteria. They applied for DCB and got it.

As I said before, with HDFC you need to let things come to you rather than go after them. Some people have had success with relationship-cancellation threats and dozens of emails to various HDFC email IDs. The family members never had an inclination to do any of that.

None of the tf members ever did 75 lakhs of FD for a card, and maybe due to family banking they all are getting better cards and also because of good salaries

 

[aniketkr.sharma]

HDFC Credit Cards Customer Care Team probably hates you 🤣

They might be as i escalated upto parag🤣 asking to tell me accurate reasons if I fullfill the criteria what's the internal policy explain or write an article to let everyone know about it

 

[Sahil_07]

I had rupay cc and moneyback+ but I closed them and I am currently using tata neu inf , I can't close this card as I use this card for all my regular spends
I've pref banking Relation with HDFC and my aim is to get infinia/DCB so, I need atleast RG or in the worst case Millennia

Okay do inform here if you get any core cards.
Try with the help of your rm

 

[bhavyakjain]

Already shared most of the part, earlier I was having a savings max account that was converted to salary after 2-3 months of opening

Which variant of salary account do you have ?
If possible, could you please share product code for it?
I am looking to upgrade from "Regular Salary Account" to "Premium Salary Account".
But branch people annoying me.

 

[aniketkr.sharma]

Which variant of salary account do you have ?
If possible, could you please share product code for it?
I am looking to upgrade from "Regular Salary Account" to "Premium Salary Account".
But branch people annoying me.

Where i can check for product code as i never explored for it

 

[bhavyakjain]

Where i can check for product code as i never explored for it

It will be in your monthly e-statement. To generate statement, go to app/net banking & request statement on email.

 

[aniketkr.sharma]

It will be in your monthly e-statement. To generate statement, go to app/net banking & request statement on email.

Pr. Code 161

 

[nanilocal]

I know a lot of ppl here facing this issue

Has anyone here started with an HDFC co-branded credit card and later successfully got an HDFC core credit card without closing co-branded one?

A common issue that I’ve noticed is that if you get your first credit card from HDFC as a co-branded card, it becomes quite challenging to obtain a core HDFC credit card later on. For those who’ve been through this, you might understand how tricky it can be to add a core HDFC card to your portfolio.

I’m curious to know if anyone has managed to navigate this hurdle and successfully received an HDFC core credit card after starting with a co-branded one. If you did, could you share how you

escalation.cc@hdfcbank.com
grievance.redressalcc@hdfcbank.com

I have sent email that Iam having Paytm select hdfc credit card from last 1.5 year with cc limit 1 lakh . That I want to upgrade to core hdfc card as I’m not getting any offers in e-commerce and offline store . I want to upgrade to millinea cc

Sent mail - Nov 4th

Reply mail - Nov 12th to sent consent on the same mail with reply..asked 4 questions
1) last four dights
2) card fee agree or not
3) rewards migration or not
4)check eleigibity or not
Answer all with yes in the same email no need to send scanned copies

Nov 16th — received email that they have processed request, card will be dispatched in 2-3 days .. Checked my cards for confirmation it is showing millinea card

Boom no CIBIL hits, no need to close cc and apply again

 

[Fini7777]

escalation.cc@hdfcbank.com
grievance.redressalcc@hdfcbank.com

I have sent email that Iam having Paytm select hdfc credit card from last 1.5 year with cc limit 1 lakh . That I want to upgrade to core hdfc card as I’m not getting any offers in e-commerce and offline store . I want to upgrade to millinea cc

Sent mail - Nov 4th

Reply mail - Nov 12th to sent consent on the same mail with reply..asked 4 questions
1) last four dights
2) card fee agree or not
3) rewards migration or not
4)check eleigibity or not
Answer all with yes in the same email no need to send scanned copies

Nov 16th — received email that they have processed request, card will be dispatched in 2-3 days .. Checked my cards for confirmation it is showing millinea card

Boom no CIBIL hits, no need to close cc and apply againView attachment 74907

Sounds good
I've sent an email for the same 3 days ago waiting for their reply..