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...

 

[tam]

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.

same, didnt face challenges on addictional cc

so far i have:
hdfc millenia,
swiggy,
tata neu,
upi biz rupay

tried to convert upi biz rupay into biz grow, but they said cant do at this point of time, so will try later, or if tmrw i go to eat burger, theres hdfc branch on the way, will hop by and apply for it offline as floater or whatever they recommend

 

[Akashn]

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.

Some people applied it from hdfc website instead of swiggy app that why rejected

 

[anonymuos]

I still haven't figured out which is my floater card.

First got Business MoneyBack LTF pre-approved via netbanking. Then got Tata Neu Plus FYF via Neu app. So I thought Neu Plus was floater card.

Then I upgraded Neu Plus FYF to Neu Infinity LTF over email request. It would still remain a floater card right?

Then I closed Business MoneyBack. Tata Neu Infinity LTF remained active even though the lady confirming final closure of Business MoneyBack said my Neu card will also get closed. I didn't believe her and said close Business MoneyBack.

Then got Swiggy LTF via Swiggy app. So again which one is the floater card? 😆

Finally was constantly being declined via HDFC official online channel to a core CONSUMER card (since Business MoneyBack doesn't work on instant discounts). Branch/offline/C2C also declined saying I can't get Millennia as a floater card since I've 2 cobranded now.

So I tried via Paytm route in this recent November 2024 special offer. Got Freedom card via Paytm (which is a core card) LTF. So again, which one is a floater card? 🤣

Have all 3 LTF now - Freedom, Swiggy and Neu Infinity. I plan to upgrade Freedom to Millennia FYF later (since they won't directly give LTF upgrade), but I still dunno which one is a floater card especially since the very first card I got was closed after getting what I thought WAS the floater card. 😆

 

[muk9998]

So I tried via Paytm route in this recent November 2024 special offer.

What is Paytm route ?

 

[aniketkr.sharma]

I still haven't figured out which is my floater card.

First got Business MoneyBack LTF pre-approved via netbanking. Then got Tata Neu Plus FYF via Neu app. So I thought Neu Plus was floater card.

Then I upgraded Neu Plus FYF to Neu Infinity LTF over email request. It would still remain a floater card right?

Then I closed Business MoneyBack. Tata Neu Infinity LTF remained active even though the lady confirming final closure of Business MoneyBack said my Neu card will also get closed. I didn't believe her and said close Business MoneyBack.

Then got Swiggy LTF via Swiggy app. So again which one is the floater card? 😆

Finally was constantly being declined via HDFC official online channel to a core CONSUMER card (since Business MoneyBack doesn't work on instant discounts). Branch/offline/C2C also declined saying I can't get Millennia as a floater card since I've 2 cobranded now.

So I tried via Paytm route in this recent November 2024 special offer. Got Freedom card via Paytm (which is a core card) LTF. So again, which one is a floater card? 🤣

Have all 3 LTF now - Freedom, Swiggy and Neu Infinity. I plan to upgrade Freedom to Millennia FYF later (since they won't directly give LTF upgrade), but I still dunno which one is a floater card especially since the very first card I got was closed after getting what I thought WAS the floater card. 😆

Core cards overlaps and become primary and cobranded became your floater now

 

[Sahil_07]

Yeah I got freedom card from Paytm.
I know the card is of no use but I needed this for instant discounts in sales

 

[federer.reddevil]

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

I recently applied for Swiggy CC when it showed LTF in Swiggy app 2 weeks back got it previously I had Tata Neu Plus LTF with a poor 50K limit.

While applying Swiggy showed 1.25L limit in app but when I got the card it was sake 50K limit.

Have sent my documents for LE to Chennai office.

Now once my Limit gets increased will try to get Millenia if denied will upgrade Tata Neu to Millenia

 

[harsh_ujjwal]

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...


View attachment 22445

I find myself in a similar situation😢

 

[newinnov]

If anyone comes across 'agent link' to apply for Swiggy or other HDFC card (except tata, biz and moneyback cards) please share it in the forum. Like our good Samaritan @Himanshuch did 👌.

 

[anonymuos]

What is Paytm route ?

Open Paytm app and apply for HDFC Freedom credit card if offer is available

 

[Fini7777]

Guys, need your advice.

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?

 

[Shanmuga]

Guys, need your advice.

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?

The first option you should did in last month itself, if you do this month you may not able to apply before 31st Dec where the offers are ending.

The second option is also not easy with HDFC, no reason they will reject all our request, even sometimes our profile have all the good things.

if you have HDFC cards with others name, then close all your card, then wait for sometime, the similar kind of offer may come in future, that time you could apply, but we are not sure the same limit you will get, and offer we get

 

[Fini7777]

The first option you should did in last month itself, if you do this month you may not able to apply before 31st Dec where the offers are ending.

The second option is also not easy with HDFC, no reason they will reject all our request, even sometimes our profile have all the good things.

if you have HDFC cards with others name, then close all your card, then wait for sometime, the similar kind of offer may come in future, that time you could apply, but we are not sure the same limit you will get, and offer we get

The offer is available till 16 jan 2025 for millennia and DCP
And yes i'll see if I get the offer in this period I'll proceed otherwise I'll wait for next opportunity.

 

[Shanmuga]

closing process will alone take minimum 8 to 9 working days.

then you have to apply.

did you try to apply the offers without closing the cards ? pls try to apply what will happen, without closing the any card

 

[Fini7777]

closing process will alone take minimum 8 to 9 working days.

then you have to apply.

did you try to apply the offers without closing the cards ? pls try to apply what will happen, without closing the any card

Yes, i tried but displayed an error "already applied for the card "

 

[Shanmuga]

Yes, i tried but displayed an error "already applied for the card "

then no way, till Jan 15, you please keep on try, then take the decision. don't close your cards till that.

 

[Humanbeing]

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

@Pissant Here is another example to the get the core card of HDFC after having TNI.

 

[Pissant]

@Pissant Here is another example to the get the core card of HDFC after having TNI.

Noted. Thank you

 

[SSV]

Guys, need your advice.

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?

Option 1, close current cards

 

[eternalduke]

I am in the same boat. I have a swiggy ltf been trying for regalia gold. I checked with 2 offline hdfc agents and they both asked me to close swiggy card and apply.

I am not doing because Atlas is my primary go to card and I dont want to miss out on the 1500 cashback I receive every month.