Anyone got HDFC Core Card as a Second Card after having HDFC Tata Neu card as their first ever (Debut) Card

[SSV]

Want to know if anyone got (either thru pre approved / online/ offline) a HDFC core card like regalia, Millinea etc as their 2nd card after having the Tata Neu Card as their first ever card?

If anyone got a card like this, then it would be contrary to the following HDFC's advice in response to my question regard the same subject matter...
Thanks in advance...

 

[Sagar56794]

It's been quite a while from the last update. Bad luck for me I guess, I found this thread after getting HDFC SWIGGY LTF as my first HDFC card.
So has anything changed since then or still it's hard to get a core card after getting co branded card as first one?
@SSV @BVC

 

[diptarkaroy]

I tried a lot to get HDFC regalia after Neu Infinity
They denied
Finally I went for Swiggy LTF

 

[zaid_2913]

My brother held a Paytm HDFC card for over two years with a 50K, but he never received any upgrades despite numerous emails. He finally closed the account and reapplied for the Millennia card online after a week, and it was approved with a 1.8 L limit

 

[Sagar56794]

I tried a lot to get HDFC regalia after Neu Infinity
They denied
Finally I went for Swiggy LTF

So you have both infinity and swiggy? And they denied for core cards?

 

[Sagar56794]

My brother held a Paytm HDFC card for over two years with a 50K, but he never received any upgrades despite numerous emails. He finally closed the account and reapplied for the Millennia card online after a week, and it was approved with a 1.8 L limit

Shouldn't you have to wait 3 months before applying new cards? But regardless of that, so no limit increase for co branded cards easily?

 

[anonymuos]

I had Business MoneyBack LTF and Tata Neu Infinity LTF but stupidly closed Business MoneyBack. I could've/should've flipped it for another core credit card. Later on got Swiggy LTF besides Neu Infinity but now can't get any offer for core credit card, nor is offline application being accepted for core CC. Branch manager refusing to even apply. I guess I will try applying via agent or get another business credit card again and then flip it to Millennia

What to do @SSV? 🙁

 

[BVCBVC is verified member.]

I had Business MoneyBack LTF and Tata Neu Infinity LTF but stupidly closed Business MoneyBack. I could've/should've flipped it for another core credit card. Later on got Swiggy LTF besides Neu Infinity but now can't get any offer for core credit card, nor is offline application being accepted for core CC. Branch manager refusing to even apply. I guess I will try applying via agent or get another business credit card again and then flip it to Millennia

What to do @SSV? 🙁

There are chances to upgrade your Tata Neu card to Millinea subjected to luck. Try reaching out to grievance cell. I was lucky to convert Tata Neu Infinity to Millinea.

 

[anonymuos]

There are chances to upgrade your Tata Neu card to Millinea subjected to luck. Try reaching out to grievance cell. I was lucky to convert Tata Neu Infinity to Millinea.

View attachment 74890

No I don't want to close or lose Neu Infinity or Swiggy card because of their stupid and hostile policy

 

[BVCBVC is verified member.]

No I don't want to close or lose Neu Infinity or Swiggy card because of their stupid and hostile policy

If you’re serious about getting HDFC core card and branch people not supporting you, you need to take a call.

 

[anonymuos]

If you’re serious about getting HDFC core card and branch people not supporting you, you need to take a call.

OK but then I have a genuine question I don't understand - how did some people in this thread itself get Millennia as a floater card? What is a floater card? Limit is shared anyway between all cards right - core and co-branded? Or split for floater card?

 

[misteramit]

long story

I have got tata neu as fyf 2 years back

tried multiple times for core cards , no luck

During start of 2024, due to some techincal issues alongside paytm bank ban and paytm co branded cards being stopped for new application , I was lucky to get offer for Freedom card in paytm app which was shown FYF but later on converted to LTF automatically (confirmed with cc email)

Few months ago applied for Swiggy LTF and approved instantly with shared limit

now have only one chargeable HDFC Tata neu card which is FYF but was never charged fees(maybe due to spend waiver critera) but customer care never confirmed it was LTF, I tried to close the card but retention team told me that they will reverse the charge in future if charged so kept it

waiting for annual fees to be charged, if they easily reverse the charges, will keep it else proceed to close it, not using it much after hdfc neu cards devaluations

 

[BVCBVC is verified member.]

OK but then I have a genuine question I don't understand - how did some people in this thread itself get Millennia as a floater card? What is a floater card? Limit is shared anyway between all cards right - core and co-branded? Or split for floater card?

Every case is different, there are no set of rules in banking and cc game. Luck matters most. There are people who got split limits in HDFC and shared limits as I saw them across TF.

Cobranded cards are Tata Neu cards, Swiggy, Marriott etc. Floater card is like getting second core card subjected to correction (Biz Black for Existing core card like that)

 

[CosmicCat]

Bruh, something strange happened. Yesterday, the Swiggy app was offering me the HDFC Swiggy CC as LTF, and seeing it, I applied for it instantly in the afternoon. My KYC details were fetched automatically since I have a savings account with HDFC Bank already with the same mobile number. The only thing I had to enter was my Employment Details, and then had to verify myself by logging into my HDFC Bank's netbanking. They didn't even ask for income docs or didn't do any verification either. But I got no confirmation SMS or email from the Bank with the application details.

My only other credit card with HDFC Bank is a Tata Neu Infinity one, which is also LTF, and I got it in August 2023. Since it is also a co-branded card, I was hoping for my Swiggy Credit Card application to be rejected.

But, surprise! surprise! surprise!

Today, in the afternoon, got an email from HDFC Bank with the subject "Your HDFC Bank Instant Credit Card is here!" and had only a PDF file containing a link to view the virtual card with no mention of the card details or anything - Not even the credit limit. Checked the Swiggy app right after and it showed me my card is ready to be activated! 😀


TL;DR: Got two co-branded HDFC Bank credit cards (Tata Neu Infinity and Swiggy) as LTF without owning a single core card.

 

[aniketkr.sharma]

Bruh, something strange happened. Yesterday, the Swiggy app was offering me the HDFC Swiggy CC as LTF, and seeing it, I applied for it instantly in the afternoon. My KYC details were fetched automatically since I have a savings account with HDFC Bank already with the same mobile number. The only thing I had to enter was my Employment Details and verified myself by logging into my HDFC Bank's netbanking. The application number was generated, but got no confirmation SMS or email from the Bank whatsoever with even the application number. They didn't even ask for income docs or didn't do any verification either.

My only other credit card with HDFC Bank is a Tata Neu Infinity one, which is also LTF, and I got it in Aug 2023. Since it is also a co-branded card, I was hoping for my Swiggy CC application to be rejected.

But, surprise! surprise! surprise!

Today, in the afternoon, got an email from HDFC Bank with the subject "Your HDFC Bank Instant Credit Card is here!" and had only a PDF file containing a link to view the virtual card with no mention of the card details or anything - Not even the credit limit. Checked the Swiggy app right after and it showed me my card is ready to be activated! 😀


TL;DR: Got two co-branded HDFC Bank credit cards (Tata Neu Infinity and Swiggy) as LTF without owning a single core card.

Is the limit got increased?

 

[CosmicCat]

Is the limit got increased?

I don't really know. The email I got today showed me a limit of ₹5,000 (Most likely for initial days), but while I was applying for it in the Swiggy app yesterday and after my credit scores were accessed, it offered me a limit of "Upto ₹93K," which was much lower than what I have on my Tata Neu Infinity card.

 

[aniketkr.sharma]

I don't really know. The email I got today showed me a limit of ₹5,000 (Most likely for initial days), but while I was applying for it in the Swiggy app yesterday and after my credit scores were accessed, it offered me a limit of "Upto ₹93K," which was much lower than what I have on my Tata Neu Infinity card.

I saw someone applied swiggy card and got LE to an exceptional high limit

 

[Akashn]

Bruh, something strange happened. Yesterday, the Swiggy app was offering me the HDFC Swiggy CC as LTF, and seeing it, I applied for it instantly in the afternoon. My KYC details were fetched automatically since I have a savings account with HDFC Bank already with the same mobile number. The only thing I had to enter was my Employment Details, and then had to verify myself by logging into my HDFC Bank's netbanking. They didn't even ask for income docs or didn't do any verification either. But I got no confirmation SMS or email from the Bank with the application details.

My only other credit card with HDFC Bank is a Tata Neu Infinity one, which is also LTF, and I got it in August 2023. Since it is also a co-branded card, I was hoping for my Swiggy Credit Card application to be rejected.

But, surprise! surprise! surprise!

Today, in the afternoon, got an email from HDFC Bank with the subject "Your HDFC Bank Instant Credit Card is here!" and had only a PDF file containing a link to view the virtual card with no mention of the card details or anything - Not even the credit limit. Checked the Swiggy app right after and it showed me my card is ready to be activated! 😀


TL;DR: Got two co-branded HDFC Bank credit cards (Tata Neu Infinity and Swiggy) as LTF without owning a single core card.

Even 3 co-branded cards are possible but getting core card after co-branded is difficult 🥲

 

[BVCBVC is verified member.]

Bruh, something strange happened. Yesterday, the Swiggy app was offering me the HDFC Swiggy CC as LTF, and seeing it, I applied for it instantly in the afternoon. My KYC details were fetched automatically since I have a savings account with HDFC Bank already with the same mobile number. The only thing I had to enter was my Employment Details, and then had to verify myself by logging into my HDFC Bank's netbanking. They didn't even ask for income docs or didn't do any verification either. But I got no confirmation SMS or email from the Bank with the application details.

My only other credit card with HDFC Bank is a Tata Neu Infinity one, which is also LTF, and I got it in August 2023. Since it is also a co-branded card, I was hoping for my Swiggy Credit Card application to be rejected.

But, surprise! surprise! surprise!

Today, in the afternoon, got an email from HDFC Bank with the subject "Your HDFC Bank Instant Credit Card is here!" and had only a PDF file containing a link to view the virtual card with no mention of the card details or anything - Not even the credit limit. Checked the Swiggy app right after and it showed me my card is ready to be activated! 😀


TL;DR: Got two co-branded HDFC Bank credit cards (Tata Neu Infinity and Swiggy) as LTF without owning a single core card.

Congratulations on 2 LTF Cobranded cards. I am not putting any brakes, But getting 2 core cards is tough in HDFC & getting 2 cobranded is an easy task.

 

[CosmicCat]

Even 3 co-branded cards are possible but getting core card after co-branded is difficult 🥲

Congratulations on 2 LTF Cobranded cards. I am not putting any brakes, But getting 2 core cards is tough in HDFC & getting 2 cobranded is an easy task.

I recall reading a recent thread recently wherein it was mentioned that HDFC has stopped giving two co-branded cards. The only way to get the second co-branded card was to apply it as a floater card. However, in my case it was approved without any challenges.

 

[newmakerhere]

I have classic saving account with hdfc and currently they offer me moneyback plus or freedom credit card as LTF. But I require either millennia or regalia. Can it be possible to get millennia or regalia.
Currently I have no hdfc credit card.