HDFC Credit Cards HDFC BizBlack Metal denied by Branch RM

[okotoki]

Hi guys,

My Dad has an ITR of 21L and GST returns of 37L for the last FY. I checked online in the HDFC BizBlack Metal website that minimum 30L ITR is required but it also says that Customers can apply on basis of GST returns, Bank Statements and Merchant payment report, though they haven't mentioned any value for these.

We called our RM and explained everything. He took all the docs and sent them to a higher branch in our region to check if we could apply for BizBlack. But today got to know that since my dad didn't meet the ITR criteria, they couldn't apply.

My Dad only has a HDFC Savings Account and he's not having any credit card from HDFC or any other bank. When we tried online, he was being offered BizGrow but we only want BizBlack since we pay monthly GST of approx 55K. He also pays Advance tax. BizBlack will be best suited in this case to maximise returns.

Wanted to know what should we do here? Is there anyone who didn't meet the ITR criteria but got BizBlack on basis of other factors like GST returns etc?

 

[HumorSimpson]

@vaibhav111 @desiviru @Abhishek012

 

[RAMESH BABU N]

Meet the dedicated team leader in their zonal/regional office and EXPLAIN to him/her.

That sort of detailed EXPLAINING - your branch sales guy or even your branch RM would not have done - with all needed details.

Most likely, your dad may get what you think is the best card for his usage.

Let's know the outcome.

 

[bing1309]

Online no! Offline only you can apply with cc agent with all required documents. Please note in your case deviation approval is needed. Without deviation approval you cannot get the card.

If you have not met condition of 30l itr then definitely they will not give except for floater card that to having infinia metal with you. So itr is mandatory as you have not fulfilled that condition and fulfilling rest conditions you are getting other set of cards.

 

[okotoki]

Meet the dedicated team leader in their zonal/regional office and EXPLAIN to him/her.

That sort of detailed EXPLAINING - your branch sales guy or even your branch RM would not have done - with all needed details.

Most likely, your dad may get what you think is the best card for his usage.

Let's know the outcome.

Thanks, but we belong to a Tier-3 city/district. Approaching the zonal/regional office would be a bummer since it'd be close to 150 kms from our hometown. Should I put up this story with relevant documents and send it to grievance.redressalcc@hdfcbank.com?

 

[okotoki]

Online no! Offline only you can apply with cc agent with all required documents. Please note in your case deviation approval is needed. Without deviation approval you cannot get the card.

If you have not met condition of 30l itr then definitely they will not give except for floater card that to having infinia metal with you. So itr is mandatory as you have not fulfilled that condition and fulfilling rest conditions you are getting other set of cards.

@bing1309 What do you mean by deviation approval? Is it exception approval from BM or some regional head?

I understand 30L ITR is not met and as I mentioned he doesn't have any credit card from any bank. On the website, they haven't mentioned the minimum criteria if someone applies through GST, Merchant payment reports etc.

 

[sid16]

Got Biz Black via branch RM as a floater to Infinia, didn't submit any income documents. Had got Infinia also without any income documents. Have a basic savings account with HDFC.

 

[RAMESH BABU N]

Thanks, but we belong to a Tier-3 city/district. Approaching the zonal/regional office would be a bummer since it'd be close to 150 kms from our hometown. Should I put up this story with relevant documents and send it to grievance.redressalcc@hdfcbank.com?

Technically speaking, there is NO grievance as such. If the bank had given to you something in writing to you - clearly denying that service for which otherwise you are eligible to get. Here, you are NOT eligible, to start with.

So, forget about DEMANDING.

You can only REQUEST or PLEAD (or even BEG if you are so very desperate).

 

[HumorSimpson]

Got Biz Black via branch RM as a floater to Infinia, didn't submit any income documents. Had got Infinia also without any income documents. Have a basic savings account with HDFC.

Can you please check and let me know if they allow biz black 🖤 as floater on Millenia?

 

[sid16]

Can you please check and let me know if they allow biz black 🖤 as floater on Millenia?

Can't ask random questions to bank managers. This use case doesn't apply to me.

 

[sidp]

Wanted to know what should we do here? Is there anyone who didn't meet the ITR criteria but got BizBlack on basis of other factors like GST returns etc?

last Yr it was 5L mpr. But many branches were giving bizblack showing high transactions. My old bm was quoting 50L rs worth of (genuine)transactions. One of the local jeweller I know reached the milestone in couple of day & got the card very fast( dont remember exactly but may be around an week).

 

[bing1309]

@bing1309 What do you mean by deviation approval? Is it exception approval from BM or some regional head?

I understand 30L ITR is not met and as I mentioned he doesn't have any credit card from any bank. On the website, they haven't mentioned the minimum criteria if someone applies through GST, Merchant payment reports etc.

Deviation approval means from branch manager and state head of hdfc. Or else not possible just like that.

I had put out options like this only possible on scenario basis. On other cc.

Kindly check other biz series also it's says on other conditions, other conditions are only valid when you have a main credit card and wanted biz as floater. Or when itr is not fulfilled then under deviation approval like i said needs to go for bm and state head with other documents to show you have net worth and could be a great potential business given to hdfc, if approved then you can get without itr condition.

Please note without itr condition met it's mandatory to go for deviation approval with other documents and your business to bank branch what they can get from you like insurance, investment, multiple account opening etc etc on there requirement and target achievements.

This emails to get approval from bh and sh not possible by you, it has to go from hdfc employe behalf of you (internal department co-ordination) then only they ask these other cretrias such has gst returns, bank statement etc. mentioned for the card.

 

[bing1309]

Can you please check and let me know if they allow biz black 🖤 as floater on Millenia?

To get a floater your card must be in higher variant then you can request a lower variant or equal variant on business or cobranded (no core to core will be given)

In your case not possible you are requesting a higher variant card with lower variant cc

 

[HumorSimpson]

To get a floater your card must be in higher variant then you can request a lower variant or equal variant on business or cobranded (no core to core will be given)

In your case not possible you are requesting a higher variant card with lower variant cc

Thanks for the precise information. I will try to get regalia gold 🥇 at least then.

 

[pradeepG]

Can you please check and let me know if they allow biz black 🖤 as floater on Millenia?

no they dont.

 

[HumorSimpson]

no they dont.

So, bizblack only on infinia, dcb ? or Regalia gold too accepted ?

 

[pradeepG]

So, bizblack only on infinia, dcb ? or Regalia gold too accepted ?

regalia, dcb gives biz power. black only on infinia.

 

[HumorSimpson]

regalia, dcb gives biz power. black only on infinia.

Thanks a lot for clearing the confusion.

 

[hedgehog2122]

Can you please check and let me know if they allow biz black 🖤 as floater on Millenia?

Not sure about millennia, but got a floater with RG

 

[HumorSimpson]

Not sure about millennia, but got a floater with RG

you got bizblack with regalia gold ?