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...

 

[Fini7777]

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.

Open paytm and check if u r eligible for freedom credit card
If it's visible in the list apply for it later u can req for upgrade

 

[Pissant]

What is the cooldown period to apply online, if there even is one to re-apply if you do not activate HDFC Credit Card on delivery?

 

[Fini7777]

What is the cooldown period to apply online, if there even is one to re-apply if you do not activate HDFC Credit Card on delivery?

if u want to apply for cobranded cards like swiggy, TNI thru their respective apps - No cooldown period u can apply immediately

if u've applied for any card(core/co-branded) and once ur applic is submitted - u can't apply for any cards thru their website for atleast 3-6 months or even more HDFC works in mysterious ways

Exception:
freedom card was offered as LTF till dec 16th but they r offering it now as FYF in paytm and u can apply for this card even if u have cobranded card before - try ur luck

U applied for TNI right?
thru website or TATA Neu app?

 

[Pissant]

if u want to apply for cobranded cards like swiggy, TNI thru their respective apps - No cooldown period u can apply immediately

if u've applied for any card(core/co-branded) and once ur applic is submitted - u can't apply for any cards thru their website for atleast 3-6 months or even more HDFC works in mysterious ways

Exception:
freedom card was offered as LTF till dec 16th but they r offering it now as FYF in paytm and u can apply for this card even if u have cobranded card before - try ur luck

U applied for TNI right?
thru website or TATA Neu app?

I applied for TNI through HDFC Website. I don't even see freedom in PayTM app

 

[Fini7777]

I applied for TNI through HDFC Website. I don't even see freedom in PayTM app

ok, I'd suggest u take the TNI LTF for now and use it for 6 months then req for upgrade to any core card
or if u want to take risk don't activate the card, it will be automatically closed.

wait for some time and apply again

 

[Pissant]

ok, I'd suggest u take the TNI LTF for now and use it for 6 months then req for upgrade to any core card
or if u want to take risk don't activate the card, it will be automatically closed.

wait for some time and apply again

I just checked and now this is shown on my Xpressway page but it obviously isn't letting me apply since I already did for the TNI. I wrote an email to PNO to approve Millenia instead as I had mistakenly applied for TNI. Is there anything else I can do?

 

[Fini7777]

I just checked and now this is shown on my Xpressway page but it obviously isn't letting me apply since I already did for the TNI. I wrote an email to PNO to approve Millenia instead as I had mistakenly applied for TNI. Is there anything else I can do?

Wait for their reply u can't do anything right now
If u receive TNI don't activate it ask them to convert hdfc TNI to millennia

 

[eternalduke]

Open paytm and check if u r eligible for freedom credit card
If it's visible in the list apply for it later u can req for upgrade

Yes it is there, but what is the point of taking if I dont use it. Upar se join fee bhi do.

But thanks for the suggestion.

Also is pixel card a core card?

 

[Fini7777]

Yes it is there, but what is the point of taking if I dont use it. Upar se join fee bhi do.

But thanks for the suggestion.

Also is pixel card a core card?

Avoid pixel cards - not much beneficial
Till 16 dec 2024 the freedom card was offered as ltf but now it's fyf this card is also not a grt option but it will create a path to upgrades gradually

 

[Sahil_07]

Avoid pixel cards - not much beneficial
Till 16 dec 2024 the freedom card was offered as ltf but now it's fyf this card is also not a grt option but it will create a path to upgrades gradually

Also will give you sale discounts
I got it ltf

 

[nemesis23]

Please help. So I asked grievance for a core card DCB through mail (I have swiggy and TATA infinity with shared limit,) I am surprised that they have replied with positive, and may consider once i give all my details of ITR and salary slip (I am not very hopeful though).

Now question is they have asked to "confirm vi e-mail whether you are requesting for a new card as a floater card with existing credit limit Or an additional card with separate credit limit". My other 2 card share limit of 4.6 Lakh , so should I reply with floter card with shared limit of all 3 card (is it even possible ) or to have separate credit limit.
If in future i want to upgrade my DCB to Infinia is it better to have this cards limit separate or shared with other 2 cards ?

 

[Ashishag22]

Need your ideas.

I had my 1st card as Tata neu plus. Bank denied upgrading to any core card & was not able get any other core card of bank through online portal/emailing etc. Then, I saw post about freedom being offered through paytm, i applied and got approved & rcd card today (yet to be activated) (have shared limit with TN+).

Now, i need suggestions, will i be able to upgrade my freedom card later to other core card? (I will be closing my TN+ card in next week after activating freedom).

So basically, i will be only left with freedom card. Intention of all this to get rid of co branded card (TN+) & have only core card so that i can request for upgrade to other cards say Millennia after certain months.

 

[federer.reddevil]

Do you have link for applying Freedom Card?

 

[Ashishag22]

Do you have link for applying Freedom Card?

Nope.
I saw an option in paytm app for applying freedom card.

 

[anonymuos]

Need your ideas.

I had my 1st card as Tata neu plus. Bank denied upgrading to any core card & was not able get any other core card of bank through online portal/emailing etc. Then, I saw post about freedom being offered through paytm, i applied and got approved & rcd card today (yet to be activated) (have shared limit with TN+).

Now, i need suggestions, will i be able to upgrade my freedom card later to other core card? (I will be closing my TN+ card in next week after activating freedom).

So basically, i will be only left with freedom card. Intention of all this to get rid of co branded card (TN+) & have only core card so that i can request for upgrade to other cards say Millennia after certain months.

Congrats! Yes with proper negotiation after 6 months or more, OR a long wait for auto upgrade offer, you can get better cards like Millennia, Regalia Gold etc. Some have even gotten Millennia from cobranded Paytm HFDC card. Some got Regalia Gold from Business MoneyBack as an upgrade. So it's all possible once you've broken thru the iceberg of "no core card once you get cobranded".

 

[Beyond]

Need your ideas.

I had my 1st card as Tata neu plus. Bank denied upgrading to any core card & was not able get any other core card of bank through online portal/emailing etc. Then, I saw post about freedom being offered through paytm, i applied and got approved & rcd card today (yet to be activated) (have shared limit with TN+).

Now, i need suggestions, will i be able to upgrade my freedom card later to other core card? (I will be closing my TN+ card in next week after activating freedom).

So basically, i will be only left with freedom card. Intention of all this to get rid of co branded card (TN+) & have only core card so that i can request for upgrade to other cards say Millennia after certain months.

You did the right choice. I have tata neu since last month they have stopped upgrading tata neu

 

[Deepak_Shetty]

Need your ideas.

I had my 1st card as Tata neu plus. Bank denied upgrading to any core card & was not able get any other core card of bank through online portal/emailing etc. Then, I saw post about freedom being offered through paytm, i applied and got approved & rcd card today (yet to be activated) (have shared limit with TN+).

Now, i need suggestions, will i be able to upgrade my freedom card later to other core card? (I will be closing my TN+ card in next week after activating freedom).

So basically, i will be only left with freedom card. Intention of all this to get rid of co branded card (TN+) & have only core card so that i can request for upgrade to other cards say Millennia after certain months.

As you got core card already, no need to close Tataneu card especially if it is LTF.

 

[Deepak_Shetty]

You can request for upgradation manually even if you have co-branded cards along with Core card. But you need to wait for few months as you got last card recently. Later raise request through mail for card upgradation from Freedom card.

As you got core card already, no need to close Tataneu card especially if it is LTF.

 

[cardio_guycardio_guy is verified member.]

My story with HDFC goes like this:
- Took Swiggy card in 2023 through Swiggy app (paid)
- Took Tata Neu Infinity card through Tata Neu app in Oct 2024 (paid)
- Both have a shared limit of 1.52L
- Converted both to LTF in November 2024.
- Opened HDFC salary account in end of December 2024
- Waiting for core card. (Not sure if this will happen with the existing cards).

If they ask to close either of the existing co-branded cards, I may not do that.
Because both these are my most used cards as of now and I am using the full 10% and 5% cashback limits.

 

[tachniki]

My story with HDFC goes like this:
- Took Swiggy card in 2023 through Swiggy app (paid)
- Took Tata Neu Infinity card through Tata Neu app in Oct 2024 (paid)
- Both have a shared limit of 1.52L
- Converted both to LTF in November 2024.
- Opened HDFC salary account in end of December 2024
- Waiting for core card. (Not sure if this will happen with the existing cards).

If they ask to close either of the existing co-branded cards, I may not do that.
Because both these are my most used cards as of now and I am using the full 10% and 5% cashback limits.

Apply directly through RM. I had Neu Infinity first. Then opened bank account. And next, I applied through RM.