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Millennia HDFC Bank guide to get LTF credit card

godslayer

TF Select
Recently I got my HDFC Millenia LTF. I have seen so many posts regarding getting HDFC card LTF and everyone is so confused. Even I was confused. So I wanted to create this compilation of all the points and posts I have seen across entire Technofino forums and YouTube. This can help who want to get HDFC cards LTF and people can add other points as well.

Starting with few questions:

Question 1 - Can I get HDFC card LTF?
Answer - Definitely. Unlike SBI where it is very difficult to get card as LTF, Private banks like HDFC, Axis, ICICI usually offer card LTF.

Question 2 - Should I get HDFC Tata Neu or other co-branded cards first?
Answer - Mostly No. It is very difficult to get the core card like Millennia, Regalia, DCB, Infinia, etc once you get a co-branded card. It is always better to get a core card first. Then you can apply for co-branded cards.

Question 3 - Should I get card with Annual fees/ Joining fees, and later get it converted to LTF?
Answer - I have seen people getting their card converted to LTF after using for few months by contacting customer care but I would rather say to try to get it LTF before only.

Now since few questions are answered, I would like to discuss all the ways that I know to get the card LTF.

Method 1: Using C2C / C4C
This is a very common method to get the card by using another banks credit card. If you don't have any prior relationship with HDFC, you can use this method.
For this method you need to find a HDFC agent from open market and not the ones who work in bank. I went to my nearest branch, there the receptionist provided me number for these agents through which I tried applying C2C.

In this method you need to go to agent and provide him 3 months/6 months past statement of other banks credit card statement, Aadhar card and PAN card. Sometimes they ask for picture of the card as well, but for my case they didn't asked. The agent will then fill the form and send it to Chennai Branch, where you will get 2-3 verification calls. CIBIL hit will also happened. They might do address verification as well. If everything goes smooth, you will have the card of your choice and that too LTF as all the C2C applications are by default LTF.

The problems with this method is, it usually takes a lot of time and if any of the step fails, you won't get your card. For example: In my case, there were two issues.
1) I applied C2C using my ICICI card. Later I realized we should avoid using ICICI cards. Its preferred to use Axis or SBI card.
2) My office address was different from my residential address. From what my agent told, it the office address should be within 100km from residential address. For this case, agent usually apply your card as student or ask you give some office address in the same city.

Hence, my card was rejected.

Method 2: Getting Pre-approved offers:

In this method, you need to open a saving account with HDFC. You can even open a salary account. I would suggest, if possible to maintain 25k AMB, open a savings Max account. It can be used to pay other banks credit card bill and get flat 1% cashback with Easyshop Platinum card upto 750Rs per month. Also that card will not have any fees.

Usually in 60-90 days, pre approved offer will start showing depending on the amount of money you are holding and count of transactions. Even if you maintain the minimum balance, you will get the offer.

The issue with this method is you won't get the LTF card offer in the first time. Initially they will offer you cards with both Joining and Annual fees. But if you keep waiting, hopefully will get the LTF offer. The problem is you don't know when you will get that offer, so you need to be very patient. The other issue is you don't know which card will be offered to you. Maybe they will start offering Moneyback +, and if you get it, it will be difficult to upgrade it.

For checking Pre-approved offers and avoiding CIBIL hits, there are two very good posts by @SSV which you can follow. I have linked them in the end. Quoting a summary from that post

If the order is like this ( Confirm Details and Choose Card) then there will be a Hard Enquiry

1688321708286.png


If the order is like this ( Choose Your Card and Confirm Details) then there will be NO Enquiry

1688321742800.png

So while in the first step to Identify Yourself, use mobile number and DOB. Avoid using PAN card. If you get the second image screen, you can see all the cards getting offered. If you get the first screen, then mostly you have not get the pre-approved offer yet.


Method 3: Working in a Company with corporate tie up

You will get a LTF credit card if your company has tie up with HDFC. Even if while applying it is showing that there is fees, after your credit card is approved, you will get a mail stating that card fees is waived off. There is this corporate list which I found from the forum which has all the list of companies eligible. I have attached it as well in the end. Thanks to @V G for the list.

This is how I got the card, want to share my experience.

I opened HDFC saving Max account mostly to get 1% cashback on CC bill payment in January. I started getting generic offer that I'm pre-qualified for CC and that I will get 1500 voucher for applying a credit card within 10 days of opening account. When I visited the link, after entering the details, I was getting confirm your details rather than Choose your card. So I realized its not a pre approved offer, hence I didn't proceeded.

After about a month or so, I found this Corporate list on the forum and contacted my Branch for getting the card. There the CC guy sent me a new link and asked me to check details there, if I'm getting a card. He was surprised how I find this list, even he was not having this.


The above link he provided. I had not found any thread with that link, so it was new to me. I logged it in with my credentials, and I saw that I had offers for Moneyback+, Tata Neu and one more card. I didn't wanted to apply, so he asked me to wait for another month. Since, it will be march end. I will get good offers.

I waited for a month and by March 15, I got pre-approved offer for both Regalia and Millennia, although it was showing that I will be charged Annual fees. So, I called the agent again. He told me, clearly you don't have to worry. If the company name is there in the list, you can apply Regalia or Millennia. The fees will be lifetime waived. He even said, if any fees get deducted, he will pay from his salary. So I applied for Millennia, I avoided Regalia as I don't travel much.

After application it took around 10 days to get my card approved. In the approval mail, it was clearly mentioned that it is LTF card. I confirmed with Customer care as well post delivery of the card.

Method 4: Miscellaneous

There are others ways as well like calling RM to get the cards or open a salary account etc. But as far as I have found, the above three are the only methods to easily get HDFC card LTF easily. Feel free to ask any questions or suggest any other method possible to get the card.


References:

1) https://www.technofino.in/community...offer-cibil-hit-or-not-decoded-i-think.14680/
2) https://www.technofino.in/community...ed-credit-card-application-url-decoded.14749/
3) https://www.technofino.in/community...lia-gold-will-be-considered.20915/post-472973
 

Attachments

Is HDFC even doing C2C LTF, I cant find any other mention of this in the forum. Any recent case which was successful?
I applied for REG GOLD LTF via C2C using APAY ICICI card (big mistake), I was rejected mainly because my limit came out to be 4.4L, but required was >5L. That's the only reason it was rejected AFAIK. Best person to confirm this would be CC guy from your nearest branch.
 
I applied for REG GOLD LTF via C2C using APAY ICICI card (big mistake), I was rejected mainly because my limit came out to be 4.4L, but required was >5L. That's the only reason it was rejected AFAIK. Best person to confirm this would be CC guy from your nearest branch.
When did you apply?
 
Glad could help. Now working on to get Tata Neu Infinity LTF as well. Will update soon once I get it.
First of all thanks a lot for compiling so much information and putting in a easy to understand way. Kudos for the effort.

Also I have doubt for you, did you get Infinity as LTF under this offer ?
 
Woah.. what a great post.. I was looking something like this info.
My take-home is 1.6 and my gross is 2L .. if I enter 2L as my monthly income it shows diners club black metal.. with fee of 10k per year.. will it be LTF card?
I currently have millineia with 2L limit no LE or upgrades are offered


I understood from comments
 
Woah.. what a great post.. I was looking something like this info.
My take-home is 1.6 and my gross is 2L .. if I enter 2L as my monthly income it shows diners club black metal.. with fee of 10k per year.. will it be LTF card?
I currently have millineia with 2L limit no LE or upgrades are offered


I understood from comments
I don't think DCB METAL is being offered LTF
 
Recently I got my HDFC Millenia LTF. I have seen so many posts regarding getting HDFC card LTF and everyone is so confused. Even I was confused. So I wanted to create this compilation of all the points and posts I have seen across entire Technofino forums and YouTube. This can help who want to get HDFC cards LTF and people can add other points as well.

Starting with few questions:

Question 1 - Can I get HDFC card LTF?
Answer - Definitely. Unlike SBI where it is very difficult to get card as LTF, Private banks like HDFC, Axis, ICICI usually offer card LTF.

Question 2 - Should I get HDFC Tata Neu or other co-branded cards first?
Answer - Mostly No. It is very difficult to get the core card like Millennia, Regalia, DCB, Infinia, etc once you get a co-branded card. It is always better to get a core card first. Then you can apply for co-branded cards.

Question 3 - Should I get card with Annual fees/ Joining fees, and later get it converted to LTF?
Answer - I have seen people getting their card converted to LTF after using for few months by contacting customer care but I would rather say to try to get it LTF before only.

Now since few questions are answered, I would like to discuss all the ways that I know to get the card LTF.

Method 1: Using C2C / C4C
This is a very common method to get the card by using another banks credit card. If you don't have any prior relationship with HDFC, you can use this method.
For this method you need to find a HDFC agent from open market and not the ones who work in bank. I went to my nearest branch, there the receptionist provided me number for these agents through which I tried applying C2C.

In this method you need to go to agent and provide him 3 months/6 months past statement of other banks credit card statement, Aadhar card and PAN card. Sometimes they ask for picture of the card as well, but for my case they didn't asked. The agent will then fill the form and send it to Chennai Branch, where you will get 2-3 verification calls. CIBIL hit will also happened. They might do address verification as well. If everything goes smooth, you will have the card of your choice and that too LTF as all the C2C applications are by default LTF.

The problems with this method is, it usually takes a lot of time and if any of the step fails, you won't get your card. For example: In my case, there were two issues.
1) I applied C2C using my ICICI card. Later I realized we should avoid using ICICI cards. Its preferred to use Axis or SBI card.
2) My office address was different from my residential address. From what my agent told, it the office address should be within 100km from residential address. For this case, agent usually apply your card as student or ask you give some office address in the same city.

Hence, my card was rejected.

Method 2: Getting Pre-approved offers:

In this method, you need to open a saving account with HDFC. You can even open a salary account. I would suggest, if possible to maintain 25k AMB, open a savings Max account. It can be used to pay other banks credit card bill and get flat 1% cashback with Easyshop Platinum card upto 750Rs per month. Also that card will not have any fees.

Usually in 60-90 days, pre approved offer will start showing depending on the amount of money you are holding and count of transactions. Even if you maintain the minimum balance, you will get the offer.

The issue with this method is you won't get the LTF card offer in the first time. Initially they will offer you cards with both Joining and Annual fees. But if you keep waiting, hopefully will get the LTF offer. The problem is you don't know when you will get that offer, so you need to be very patient. The other issue is you don't know which card will be offered to you. Maybe they will start offering Moneyback +, and if you get it, it will be difficult to upgrade it.

For checking Pre-approved offers and avoiding CIBIL hits, there are two very good posts by @SSV which you can follow. I have linked them in the end. Quoting a summary from that post



So while in the first step to Identify Yourself, use mobile number and DOB. Avoid using PAN card. If you get the second image screen, you can see all the cards getting offered. If you get the first screen, then mostly you have not get the pre-approved offer yet.


Method 3: Working in a Company with corporate tie up

You will get a LTF credit card if your company has tie up with HDFC. Even if while applying it is showing that there is fees, after your credit card is approved, you will get a mail stating that card fees is waived off. There is this corporate list which I found from the forum which has all the list of companies eligible. I have attached it as well in the end. Thanks to @V G for the list.

This is how I got the card, want to share my experience.

I opened HDFC saving Max account mostly to get 1% cashback on CC bill payment in January. I started getting generic offer that I'm pre-qualified for CC and that I will get 1500 voucher for applying a credit card within 10 days of opening account. When I visited the link, after entering the details, I was getting confirm your details rather than Choose your card. So I realized its not a pre approved offer, hence I didn't proceeded.

After about a month or so, I found this Corporate list on the forum and contacted my Branch for getting the card. There the CC guy sent me a new link and asked me to check details there, if I'm getting a card. He was surprised how I find this list, even he was not having this.



The above link he provided. I had not found any thread with that link, so it was new to me. I logged it in with my credentials, and I saw that I had offers for Moneyback+, Tata Neu and one more card. I didn't wanted to apply, so he asked me to wait for another month. Since, it will be march end. I will get good offers.

I waited for a month and by March 15, I got pre-approved offer for both Regalia and Millennia, although it was showing that I will be charged Annual fees. So, I called the agent again. He told me, clearly you don't have to worry. If the company name is there in the list, you can apply Regalia or Millennia. The fees will be lifetime waived. He even said, if any fees get deducted, he will pay from his salary. So I applied for Millennia, I avoided Regalia as I don't travel much.

After application it took around 10 days to get my card approved. In the approval mail, it was clearly mentioned that it is LTF card. I confirmed with Customer care as well post delivery of the card.

Method 4: Miscellaneous

There are others ways as well like calling RM to get the cards or open a salary account etc. But as far as I have found, the above three are the only methods to easily get HDFC card LTF easily. Feel free to ask any questions or suggest any other method possible to get the card.


References:

1) https://www.technofino.in/community...offer-cibil-hit-or-not-decoded-i-think.14680/
2) https://www.technofino.in/community...ed-credit-card-application-url-decoded.14749/
3) https://www.technofino.in/community...lia-gold-will-be-considered.20915/post-472973
Sadly the "Customer Digital Apply" link doesnt work anymore :/ Does anyone have an updated link for the same? I was eligible for DCP via that link but before i could apply, the link stopped working :/
 
I got Millennia with Joining and Annual fee. Would I have any luck requesting them to waive off the renewal fee? or should I just reach the milestone, which I mostly will but I wanted to prioritise cards like SBI CB who are hell bent on not offering the card LTF.
 
I got Millennia with Joining and Annual fee. Would I have any luck requesting them to waive off the renewal fee? or should I just reach the milestone, which I mostly will but I wanted to prioritise cards like SBI CB who are hell bent on not offering the card LTF.
Millennia isn't very rewarding or popular anymore,
if you use well for a year then email grievance redressal team with request to convert to LTF it might work out, You can even threaten to close the card
 
Millennia isn't very rewarding or popular anymore,
if you use well for a year then email grievance redressal team with request to convert to LTF it might work out, You can even threaten to close the card
Last I threatened IDFC I would close my millennia card if they don't upgrade, they went ahead and closed my card 🥲

So idk if I really wanna threaten HDFC lol
 
Last I threatened IDFC I would close my millennia card if they don't upgrade, they went ahead and closed my card 🥲

So idk if I really wanna threaten HDFC lol
All IDFC cards are pedestrian and LTF anyways,
Upgrades and limit enhancements are more complicated as it requires income and spends to support it

But converting a base level card like Millennia to LTF should not be very difficult
 
Millennia isn't very rewarding or popular anymore,
if you use well for a year then email grievance redressal team with request to convert to LTF it might work out, You can even threaten to close the card
I am getting LTF Millennia card in preapproved offers. Should I take it or skip it? I don't have any HDFC card for sales
 
I am getting LTF Millennia card in preapproved offers. Should I take it or skip it? I don't have any HDFC card for sales
Take it,
While i standby what i saud about Millennia previously,
It is a good starter card,
Has good discounts on Amazon and Spend based offer from time to time,
And it has potential to upgrade to better cards from HDFC, even the big 3(Reg Gold, DCB and Infinia)

I started out with Millennia 1.15L limit in 2021 and now i have a DCB and Tata neu infinity sharing 5L limit
 
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