HDFC Bank Preapproved Diners Privilege Card

[Amitt Aryan]

Today I got this banner for 2nd time.

Its again HDFC Diner Previlege Card which I rejected in February, 2022.

I was interested for HDFC Regalia.

I thought Hdfc will offer Regalia but again they offered the same with increased limit of just 25k. ☹️😏

Also, its spend based preapproved with charges Rs. 2500/-.
Not unconditional LTF.

Now I am in dilemma, should I accept it or not.😋🤣

 

[tiny]

Today I got this banner for 2nd time.

Its again HDFC Diner Previlege Card which I rejected in February, 2022.

I was interested for HDFC Regalia.

I thought Hdfc will offer Regalia but again they offered the same with increased limit of just 25k. ☹️😏

Also, its spend based preapproved. Not unconditional LTF.

Now I am in dilemma😋🤣

how much do you maintain ... ?

 

[Rashya]

Today I got this banner for 2nd time.

Its again HDFC Diner Previlege Card which I rejected in February, 2022.

I was interested for HDFC Regalia.

I thought Hdfc will offer Regalia but again they offered the same with increased limit of just 25k. ☹️😏

Also, its spend based preapproved. Not unconditional LTF.

Now I am in dilemma😋🤣

Is it pre-approved?

 

[Amitt Aryan]

Is it pre-approved?

Yes its pre approved.

 

[Amitt Aryan]

how much do you maintain ... ?

30k approx

 

[tiny]

30k approx

waaah.... I am maintaining 1.5L and getting this......

 

[Amitt Aryan]

waaah.... I am maintaining 1.5L and getting this......

I think its not based on account.
May be its based on our credit profile.
I have all cards around limit of 2.5Lacs.

 

[Rashya]

Yes its pre approved.

Doesn’t mention pre-approved anywhere.

Even I got the below offer of moneyback with upto 30k limit, not sure if it is pre-approved or not. I am maintaining AMB of >3L, I want millennia or regalia

 

[Amitt Aryan]

Doesn’t mention pre-approved anywhere.

Even I got the below offer of moneyback with upto 30k limit, not sure if it is pre-approved or not. I am maintaining AMB of >3L, I want millennia or regalia
View attachment 2627

When credit limit is written then you can consider it as pre approved.
In your case, the 1st banner is showing limit upto 30000.
So its preapproved offer.

 

[Rashya]

When credit limit is written then you can consider it as pre approved.
In your case, the 1st banner is showing limit upto 30000.
So its preapproved offer.

I didn’t know it

 

[Amitt Aryan]

Doesn’t mention pre-approved anywhere.

Even I got the below offer of moneyback with upto 30k limit, not sure if it is pre-approved or not. I am maintaining AMB of >3L, I want millennia or regalia
View attachment 2627

How many credit cards do you hold?

 

[Rashya]

How many credit cards do you hold?

Yes bank
Kotak
One card

BNPL:
Lazypay

 

[Amitt Aryan]

Yes bank
Kotak
One card

BNPL:
Lazypay

Whats your maxm limit in all these card?

 

[Rashya]

Whats your maxm limit in all these card?

All less than 1L. Maximum is yes bank CC with 80k

 

[Amitt Aryan]

All less than 1L. Maximum is yes bank CC with 80k

Limit of other credit cards and your overall credit profile plays a key role to get a good limit.
So bank will see and assign the limit and card accordingly.
For example, Minimum 1 lakh limit in other card is needed for millenia and so on for others card.
I hope it helps.

 

[tiny]

I think its not based on account.
May be its based on our credit profile.
I have all cards around limit of 2.5Lacs.

ok that makes sense. I only have one secured icici CC with 51k limit.
should I wait for a better offer ..?

 

[Amitt Aryan]

ok that makes sense. I only have one secured icici CC with 51k limit.
should I wait for a better offer ..?

You can wait for better offers.
But mostly, atleast 3 to 4 months you will have to wait for new credit card offer.
Also, if you want you can get this as it will be your unsecured card from which you can apply for others card and slowly increase your limit.

 

[Amitt Aryan]

Diner's Privilege and Regalia are at the same level ... Wait for sometime maybe

Its not about level bro.
Acceptability issue I am worried about.
Currently I am not in metro where its not a problem.
But in small city its a problem.
So thats why.

 

[Kamal]

I am maintaining 1L in my HDFC account for 3 months.
Using it as my main account and even paying my CC bill through HDFC bill pay still have no preapproved offer from them..

Any suggestions?

 

[Amitt Aryan]

Diner's Privilege and Regalia are at the same level ... Wait for sometime maybe

It was offered in feb this year also.
Now the same card again.
Earlier I did not accept and waited for Regalia.
Now the same situation.