Hi! I've been wanting to get a good HDFC card for over 2 years. I don't have any relationship with HDFC. I have 11 other cards (10 LTF) but HDFC has always been my dream.
My monthly take home is low (~80k) and realised, even Millennia may be difficult. I wanted to go for a better first card in the first go itself as getting an upgrade/LE will be an uphil task with low salary.
I thought somehow getting a limit over 5L with other bank cards would help me get a good card (atleast Regalia) through C2C. Somehow ended up with three cards over 5L (Kotak Zen - 5.4L, Federal Celesta - 5L, ICICI - 5.5L)
In several posts/articles, people have told that we can get Regalia/DCP/DCB through C2C and also that, it's better that we don't have a salary/savings account with HDFC as they will use that as a reason to reject our applications.
I reached out to three credit card teams at Chennai for C2C (paid/LTF) with Kotak 5.4L limit, but all 3 mentioned that my salary is required and is low, even if it's through C2C and that only Millennia may get approved.
While Millennia is a great card, like everyone, I would also like to climb up the HDFC ladder towards Infinia, atleast over a decade (on a serious note), by starting as high as possible.
I'm ready to bear the joining/annual fee of DCB (will not get for sure, just saying) as I'm confident that I can achieve 8L spends for waiver.
Is there any possibility for me to get Regalia gold or higher card without ULIP/FD? If so, can anyone share some contact/particular branch at Chennai, where they'll be kind enough to process my application? Any help/guidance is appreciated. Thanks in advance!
My monthly take home is low (~80k) and realised, even Millennia may be difficult. I wanted to go for a better first card in the first go itself as getting an upgrade/LE will be an uphil task with low salary.
I thought somehow getting a limit over 5L with other bank cards would help me get a good card (atleast Regalia) through C2C. Somehow ended up with three cards over 5L (Kotak Zen - 5.4L, Federal Celesta - 5L, ICICI - 5.5L)
In several posts/articles, people have told that we can get Regalia/DCP/DCB through C2C and also that, it's better that we don't have a salary/savings account with HDFC as they will use that as a reason to reject our applications.
I reached out to three credit card teams at Chennai for C2C (paid/LTF) with Kotak 5.4L limit, but all 3 mentioned that my salary is required and is low, even if it's through C2C and that only Millennia may get approved.
While Millennia is a great card, like everyone, I would also like to climb up the HDFC ladder towards Infinia, atleast over a decade (on a serious note), by starting as high as possible.
I'm ready to bear the joining/annual fee of DCB (will not get for sure, just saying) as I'm confident that I can achieve 8L spends for waiver.
Is there any possibility for me to get Regalia gold or higher card without ULIP/FD? If so, can anyone share some contact/particular branch at Chennai, where they'll be kind enough to process my application? Any help/guidance is appreciated. Thanks in advance!
