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

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Fini7777

Fini7777

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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?
 
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Fini7777 said:
during the application process for the Swiggy card, the estimated limit displayed was ₹1.2L, which seems unusual. Ideally, the estimated limit should match my existing card's limit, right
Click to expand...
No. There is no reason for your second card to be same limit as first one.

Your current card is FD based (secured) which means HDFC didn't consider you for credit risk. For new card, it is considering you worth credit risk of rs 1.2L. And this is just estimated. No guarantee you will get it.

Assuming, your first card also was unsecured with credit limit of Rs 2L. This means bank considered your credit risk as 2L when it was issued. Now, when you apply for second card, it reasses credit risk. If it is almost same, it may deny new card or give you floater card (depending on multiple other factors). If it is more, it may give you new card with extra limit. Hdfc, Axis usually follow shared credit limit where as sbi card divide limits.
 
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tachniki said:
No. There is no reason for your second card to be same limit as first one.

Your current card is FD based (secured) which means HDFC didn't consider you for credit risk. For new card, it is considering you worth credit risk of rs 1.2L. And this is just estimated. No guarantee you will get it.

Assuming, your first card also was unsecured with credit limit of Rs 2L. This means bank considered your credit risk as 2L when it was issued. Now, when you apply for second card, it reasses credit risk. If it is almost same, it may deny new card or give you floater card (depending on multiple other factors). If it is more, it may give you new card with extra limit. Hdfc, Axis usually follow shared credit limit where as sbi card divide limits.
Click to expand...
🤣 🤣 Firstly, My TN Infinity is unsecured, and this is my 4th card from HDFC.
A year ago, I closed all my 3 HDFC credit cards (MB+, RuPay, Swiggy). Later, I applied for the TN Infinity and have been using it for the past 6 months.
As you said, HDFC and Axis typically issue second and third cards with a shared limit. These banks often match the limit with the first card. However, they rarely issue 2nd and 3rd cards with separate limits, unlike SBI. I also suspect that’s the case here, as I noticed different limits when I applied for the Swiggy CC .

Subject to correction:
AFAIK, HDFC doesn’t reassess your profile for additional cards if you maintain an active card. But if you close all your cards and reapply, they will reassess your profile based on your financial situation at that time.
 
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SSV said:
Then try to get another card like Swiggy card and try to apply for upgrade on that card a bit later.
Follow this method if you dearly miss TN infinity card,

Otherwise follow what others said, take upgrade now and reapply for TN Infinity 6 months later
Click to expand...
Update:
I Applied for swiggy card(FYF) through the swiggy App
it has been Approved.... As you suggested, I'll play with this card and keep my TN inf aside from the game..
Thanks for the advice!
 
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Guys, need your advice.

As mentioned earlier, I've taken the Swiggy card and currently hold TNI FYF and swiggy FYF cards.
I've spent around ₹2.7L on my TNI card and requested an LTF conversion 3 times, but unfortunately, my requests were denied.

Recently, I applied for an LTF TNI card for my mother. Now, I've the option of getting an add-on card in my name and closing my TNI FYF card.
I'm in a dilemma and couldn't decide between the following two options:
  1. Close both my cards and apply for the Millennia LTF/RG FYF card under the current LTF offer campaign. I know it's a risky decision, but "Risk toh lena hi padta hai life mein 🤣".
  2. Spend ₹30K more to cross the ₹3L threshold on my TNI card and continue with it for another year. Meanwhile, I could request an upgrade from my Swiggy FYF card to Millennia FYF. This is a bit tedious since HDFC doesn't provide LTF upgrades manually. I would need to send multiple requests for LTF conversion later, which takes time and effort.
Considering all these factors, I need your thoughts on Option 2 especially.
While it seems like the safer route, it feels like a long and tedious process. Moreover, I don’t want to keep running behind HDFC for upgrades and conversions all the time. I want to settle down with one core card and maintain peace of mind.

What do you guys say?
 
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Fini7777 said:
Guys, need your advice.

As mentioned earlier, I've taken the Swiggy card and currently hold TNI FYF and swiggy FYF cards.
I've spent around ₹2.7L on my TNI card and requested an LTF conversion 3 times, but unfortunately, my requests were denied.

Recently, I applied for an LTF TNI card for my mother. Now, I've the option of getting an add-on card in my name and closing my TNI FYF card.
I'm in a dilemma and couldn't decide between the following two options:
  1. Close both my cards and apply for the Millennia LTF/RG FYF card under the current LTF offer campaign. I know it's a risky decision, but "Risk toh lena hi padta hai life mein 🤣".
  2. Spend ₹30K more to cross the ₹3L threshold on my TNI card and continue with it for another year. Meanwhile, I could request an upgrade from my Swiggy FYF card to Millennia FYF. This is a bit tedious since HDFC doesn't provide LTF upgrades manually. I would need to send multiple requests for LTF conversion later, which takes time and effort.
Considering all these factors, I need your thoughts on Option 2 especially.
While it seems like the safer route, it feels like a long and tedious process. Moreover, I don’t want to keep running behind HDFC for upgrades and conversions all the time. I want to settle down with one core card and maintain peace of mind.

What do you guys say?
Click to expand...
Spend 30k or ask to convert tata neu infinity to millennia.
Swiggy FYF can be closed as you already have infinity.
 
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