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?

 

[Ram1]

Otherwise, I'll think about upgrading my NEU Infinity card instead.

I don't think its possible to upgrade tataneu to other. R u sure?

 

[Fini7777]

I don't think its possible to upgrade tataneu to other. R u sure?

possible , ready my prev posts

 

[tachniki]

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

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.

 

[Fini7777]

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.

🤣 🤣 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.

 

[tachniki]

I am so sorry. I guess i got confised with another thread or post.

🤣 🤣 Firstly, My TN Infinity is unsecured, and this is my 4th card from HDFC.

 

[Fini7777]

I am so sorry. I guess i got confised with another thread or post.

No worries, it happens! I’ve also gotten confused many times with different threads,

 

[vaibhav111vaibhav111 is verified member.]

@TechnoFino @SSV @Wealth is my birth right! @BVC @vaibhav111 @Ram1 @HumorSimpson
Do u ppl know any solution for this HDFC co-branded cards prblm?

No clue brother i had core card first and none of friend have two hdf cc they are happy with one or have core card first.

 

[BVCBVC is verified member.]

@TechnoFino @SSV @Wealth is my birth right! @BVC @vaibhav111 @Ram1 @HumorSimpson
Do u ppl know any solution for this HDFC co-branded cards prblm?

Upgrade route works well.

Post in thread 'Anyone got HDFC Core Card as a Second Card after having HDFC Tata Neu card as their first ever (Debut) Card'
https://www.technofino.in/community...their-first-ever-debut-card.15120/post-852175

 

[Fini7777]

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

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!

 

[SSV]

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!

Excellent.. well done .