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Few questions about my first card, Millennia

panu24

TF Legend
I have been following this forum since September and realized that some group of people saying get Millennia card because of its benefits and also it was hard to get it approved for them. I have been suggested here to try C2C application for Millennia but I became lazy to give one of my existing card as document so I approached for offline processing as I am offered annual fee reverse based Regalia online. I only gave PAN card xerox and they said all other details are fetched from my savings account. The CL I got is 2L which I know before applying this card as its clearly written in my saving account as Spending limit.

When I applied offline for this card, I am told this will not be LTF but based on my verification I may be offered it as LTF and I will get annual fee equivalent GV. During verification call, I am told my card is LTF but I missed one thing to ask about HDFC is that, all card are LTF just difference is whether its conditional or unconditional.

When I received my card welcome letter, it was very generic letter and no mention of annual fee at all but I am given print of MITC pdf along with it. I am confused if I have got it LTF or not, GV of annual fee will be given to me or not. I raised concern to HDFC grievance team. I got reply as

We wish to inform you that your HDFC Bank Millennia credit card ending with XXXX was processed as Life time free credit card. Hence no membership fee is applicable in your credit card account.
We wish to clarify that Spend Rs.50,000 Get Gift Vouchers worth Rs.2,000 and the winners will be notified on SMS within 90 days of offer period with options to choose vouchers of their choice. Link for detailed T&C will be send to customer via SMS.

Please help me to decode this reply. Have I got really LTF card? Why am i not eligible to get Rs 1000 annual fee gift vouchers?
What if I am charged later months Rs. 1000 annual fee?

Also, I did not like banks which do not give clearly statement date, in this reply I am only told 24th Oct as my card open date only.

Thanks.
 
You can call customer care to know your statement date. Due date will be around 2-3 weeks after. For my card statement date is 22/10 and due date is 11/11
 
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