FD backed HDFC Credit card?

[jambusar91]

Does having a 5 lakh fixed deposit with Classic Account Variant with HDFC makes me qualified for the Regalia Gold credit card?

 

[Tejo]

Does having a 5 lakh fixed deposit with Classic Account Variant with HDFC makes me qualified for the Regalia Gold credit card?

Yeah you can get regalia gold on 5 lakh fd.

Just confirm with BM, else they will send moneyback with 5l limit 😅 you might need zonal level approval if you don't have credit history.

 

[doraemon]

Yeah you can get regalia gold on 5 lakh fd.

Just confirm with BM, else they will send moneyback with 5l limit 😅 you might need zonal level approval if you don't have credit history.

Just curious
When HDFC is known for pre-approved offers
Why anyone would take their fd card?
I read here in threads that once we take fd card we can't get unsecured offer from that bank

am I missing something?

Also can u share where ite written that HDFC regelia can be given on 5lac fd?

 

[Vasuki]

Just curious
When HDFC is known for pre-approved offers
Why anyone would take their fd card?
I read here in threads that once we take fd card we can't get unsecured offer from that bank

am I missing something?

Also can u share where ite written that HDFC regelia can be given on 5lac fd?

Uski marziii .

 

[doraemon]

Uski marziii .

O k .

 

[Vasuki]

Does having a 5 lakh fixed deposit with Classic Account Variant with HDFC makes me qualified for the Regalia Gold credit card?

Yes after 3.5 lakh fd u r eligible
They will check cibil too ( unfortunately)
5 lakh will give 4 lakh limit

Directly talk to BM
Tell them if they don't give regalia u will close the card & get back fd too


Why take regalia mate?
Get millniea instead better value.

Regalia need 7.5 lakh spend to be profitable that too on travel if you have travel spend totally go for it

 

[Tejo]

Uski marziii .

@doraemon it's just an assumption, if you have an secured cc, you can get unsecured cc from same bank on pre-approved offer basis upon close else some banks like axis will convert.

Just without income proof will be difficult.

 

[Kumar93196]

I hold digi youth account in hdfc. And yesterday hdfc bank told me that they don't offer any pre approved cc offer to this varient.
Reason being digi youth account will be opened in the name of student not for salaried

 

[doraemon]

I hold digi youth account in hdfc. And yesterday hdfc bank told me that they don't offer any pre approved cc offer to this varient.
Reason being digi youth account will be opened in the name of student not for salaried

It's false
@varun__goel_ got his card being digisave only

 

[varun__goel_]

It's false
@varun__goel_ got his card being digisave only

Not digisave
I had regular account, but they do issue cards to students

 

[Kumar93196]

Not digisave
I had regular account, but they do issue cards to students

It's false
@varun__goel_ got his card being digisave only

Nope they don't give cc easily they offer cc on digi save account rarely.

 

[varun__goel_]

Nope they don't give cc easily they offer cc on digi save account rarely.

If you have doubts, then just upgrade to a regular savings account🤷

 

[Tejo]

I hold digi youth account in hdfc. And yesterday hdfc bank told me that they don't offer any pre approved cc offer to this varient.
Reason being digi youth account will be opened in the name of student not for salaried

I too got.

If you don't get, just apply and mention student even if it's rejects you will get pre-approved later. Advise you should have atleast any credit card in cibil (one card secured 2k)

 

[Kumar93196]

I too got.

If you don't get, just apply and mention student even if it's rejects you will get pre-approved later. Advise you should have atleast any credit card in cibil (one card secured 2k)

I have 3/4 unsecured cc....

 

[Kumar93196]

If you have doubts, then just upgrade to a regular savings account🤷

Main issue is MAB.

 

[varun__goel_]

Main issue is MAB.

If you're gonna maintain 2.5k - 5k balance, then on what basis will they offer pre approved card?

You need to have mab and txns in account for offer in hdfc

 

[Kumar93196]

If you're gonna maintain 2.5k - 5k balance, then on what basis will they offer pre approved card?

You need to have mab and txns in account for offer in hdfc

Transaction are high enough but maintenance is the issue.....

 

[varun__goel_]

Transaction are high enough but maintenance is the issue.....

Tips & tricks pata hai to maintain bhi kar skte ho😝🤣
CCs to hai hi aapke paas 😉

 

[doraemon]

Transaction are high enough but maintenance is the issue.....

I have made 15 lakh worth of transaction including imps/neft/UPI/dc
In last 3 months
Let's see when they offer me a card

 

[Kumar93196]

I have made 15 lakh worth or transaction including imps/neft/UPI/dc
In last 3 months
Let's see when they offer me a card

Let's wait for the outcome.