They allot limit on basis of payslip,c2c or cibil.
recently one banker having 80k limit on icici card applied c2c & got a meagre limit of 20k. we were uncertain until we checked his application was accepted on cibil basis & card limit nit even considered.
I applied with apay card limit of 1.9l and got approved millennia with 63k 🥲
(Actually it was the same limit i was getting as pre approved shown in my netbanking) after 3 days of applying C2C and getting approved..my pre approved limit was 2L.But i already received the card. So I compromised with the 63k only 😂
Can you please share few details like what account you hold with hdfc. How old was your account when you got preapproved offer? Also your usage pattern and balance maintained etc. I have hdfc savings account but didn't receive preapproved card offer yet.