First credit card(HDFC) approved without credit score

[Pandu]

I am new to this community.
Today, I got my first Credit card.

HDFC bank offered me two pre-approved credit cards: Millennia LTF and IndianOil LTF
Applied for Millennia LTF.
Approved instantly with limit Rs. 1,02,000

My profile:
Age: 22years
No income, Preparing for competitive exams.
No credit history
CIBIL score not generated yet.



My relationship with HDFC:
Opened regular savings account in March, 2024: Rs.5k MAB, Easy Shop platinum debit card.

Strategy to get credit card: I don’t know anything about credit cards. My uncle planned everything.

He did two things:

1. In savings account application, he mentioned occupation as SALARIED.
2. He paid all his credit card bills using my platinum debit card.

 

[desiviru]

Welcome to Chindi CB club.

So we have another member who will soon ask his RPs or cashback is not credited. Or I did txn with Millennia CC and no rewards or where are my rewards and how will this smartbuy 5% work and where will it come. Mujhe ab rona aa raha hai lot pot wala. 🤣

Just an advice for you. Please read every document related to millennia from here if you apply. This will save many of us.

Apply for Millennia Credit Card & Get CashBacks on Spends |HDFC Bank

Millennia Credit Card: Get exclusive cashbacks while spending on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato. Apply today!

www.hdfcbank.com

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia%20Cards/CashBack%20Credit%20Card/Terms-and-Conditions-Millennia-Credit-Card.pdf

 

[HumorSimpson]

@HumorSimpson . .

ఏమి పండో, నాకు మాత్రం MB+ కాకర kaye

 

[Pho3nix]

2. He paid all his credit card bills using my platinum debit card.

How much was the average monthly bill paid by Uncle G? Could you please ask him and confirm?

 

[harshkaito]

How did you get a Regular savings account with 5k MAB. I've been wanting to open but being a student can't maintain 10k balance Please help

 

[Rohith-2009]

Welcome to Chindi CB club.

So we have another member who will soon ask his RPs or cashback is not credited. Or I did txn with Millennia CC and no rewards or where are my rewards and how will this smartbuy 5% work and where will it come. Mujhe ab rona aa raha hai lot pot wala. 🤣

Just an advice for you. Please read every document related to millennia from here if you apply. This will save many of us.

Apply for Millennia Credit Card & Get CashBacks on Spends |HDFC Bank

Millennia Credit Card: Get exclusive cashbacks while spending on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato. Apply today!

www.hdfcbank.com

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia%20Cards/CashBack%20Credit%20Card/Terms-and-Conditions-Millennia-Credit-Card.pdf

The smartbuy cashback will credit to your credit card statement after 2 days of purchasing

 

[desiviru]

The smartbuy cashback will credit to your credit card statement after 2 days of purchasing

Do you understand sarcasm? No, you don't. 🤣

 

[Pandu]

How did you get a Regular savings account with 5k MAB. I've been wanting to open but being a student can't maintain 10k balance Please help

In semi urban branches AMB requirement is Rs.5k only.

 

[Swastik]

How much was the average monthly bill paid by Uncle G? Could you please ask him and confirm?

I'm also intrested in getting answer to this

 

[Pandu]

I'm also intrested in getting answer to this

On HDFC platinum debit card, maximum cashback per month is Rs. 750. So, average monthly bill paid by him is around Rs.75k

 

[harsha1]

Effective 1st August 2024, if you redeem your rewards towards statement credit (CashBack), a ₹50
redemption fee will be charged.

Welcome to Chindi CB club.

So we have another member who will soon ask his RPs or cashback is not credited. Or I did txn with Millennia CC and no rewards or where are my rewards and how will this smartbuy 5% work and where will it come. Mujhe ab rona aa raha hai lot pot wala. 🤣

Just an advice for you. Please read every document related to millennia from here if you apply. This will save many of us.

Apply for Millennia Credit Card & Get CashBacks on Spends |HDFC Bank

Millennia Credit Card: Get exclusive cashbacks while spending on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato. Apply today!

www.hdfcbank.com

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia%20Cards/CashBack%20Credit%20Card/Terms-and-Conditions-Millennia-Credit-Card.pdf

 

[harshkaito]

In semi urban branches AMB requirement is Rs.5k only.

I don't understand which are the urban and semi urban branches. My pin code is 585105. Kindly help if anyone knows🙏

 

[desiviru]

I don't understand which are the urban and semi urban branches. My pin code is 585105. Kindly help if anyone knows🙏

Rural: Population <= 10000
Semi-Urban: Between >10000 to <= 100000
Urban: More than 100000

So it seems as per 2011 census 585105 had population of 41000 which may or may not have been reached 1L. Call HDFC CC and know about it. I mostly check city population on 2011 census and then double it, based on that get to know. I have Axis Bank account outside Delhi in Haryana which comes under rural.