First Unsecured HDFC Moneyback+ Credit Card

[satish0987]

I opened Regular Savings account in HDFC bank 3 months ago.

I kept minimum balance of 50k for 2 months and then 30k in last month.

Waited for Credit Card offer.

Received msgs and offers in net banking for credit card on last friday.

On same day received call from home branch agent and he told I got Pre-approved offer and no income documents required.

So I applied with his link shared in whatsapp and entered all details along with his Agent ID etc and next day got message about credit card approval.

I applied Moneyback+ and I got 40k limit.He told fees is 500/ year.

My question is Is there any process for making it LTF card apart from 50k spend annually.

Agent clearly told I need to pay annual fees.As this is my first unsecured card I also told yes and applied...

Pls tell if anyone read all these msgs😉...Thanks

 

[Chaitanya-a]

I opened Regular Savings account in HDFC bank 3 months ago.

I kept minimum balance of 50k for 2 months and then 30k in last month.

Waited for Credit Card offer.

Received msgs and offers in net banking for credit card on last friday.

On same day received call from home branch agent and he told I got Pre-approved offer and no income documents required.

So I applied with his link shared in whatsapp and entered all details along with his Agent ID etc and next day got message about credit card approval.

I applied Moneyback+ and I got 40k limit.He told fees is 500/ year.

My question is Is there any process for making it LTF card apart from 50k spend annually.

Agent clearly told I need to pay annual fees.As this is my first unsecured card I also told yes and applied...

Pls tell if anyone read all these msgs😉...Thanks

Previously there's one criteria of spending a fixed amount in 3 months to get annual fee waived off.
Also there's a way to register a biller in smartpay (auto) for utilities payment to make your card LTF.
Don't know whether these are available or not these days. Check with customer care about this (not branch person or agent)