HDFC credit card basis Home Loan relationship

[amitr29]

Hi Guys,

Has anyone been able to get a Infinia or DCB basis Home loan relationship with HDFC Bank.

If yes, was it pre- approved online offer or negotiated offer during sanction.

Thanks in advance!

 

[cesc007]

Following this query

 

[Avangerritesh]

If anyone have same knowledge about icici plz let me know I have home loan of with icici and credit card amazon, Mmt and coral any idea to get premium card ltf?

 

[amitr29]

If anyone have same knowledge about icici plz let me know I have home loan of with icici and credit card amazon, Mmt and coral any idea to get premium card ltf?

What is the loan amount? I got Sapphiro LTF on 1.25 crs home loan. This was during the sanction negotiation

 

[Avangerritesh]

What is the loan amount? I got Sapphiro LTF on 1.25 crs home loan. This was during the sanction negotiation

My is 30 lakhs

 

[Virtual King]

Some facts in my case....

1. I had taken an HDFC Home Loan for Rs 20L way back in 2010. I prepaid the loan by 2015. Missed only one payment due to some cheque issue. I had also taken a car loan from a different bank for 15L taken in 2014 and finished in 2021 - never missed any payment in this.
2. I opened an HDFC savings account only in 2019. I had some savings and some FDs. It was not a salary account. Imperia account.
3. I did not have any credit card - only debit card. The first time I applied ever for a credit card was this year when I applied for Infinia Metal in March 2024 and got it approved over 2-3 days on mobile by speaking to my RM cum BM. Received the card in April.
4. After receiving Infinia Metal as the first credit card of my life, I checked my CIBIL score in May 2024 and it said NH i.e. No History. Haven't checked CIBIL again after that.

So, I don't know if any home loan (taken long ago and pre-paid/finished long ago) impacts your chances of any HDFC credit card. But these are the facts in my case.... if you can draw any worthwhile inference(s) from them.

But my hunch says... a good and positive home loan relationship with HDFC - even if long ago - does help indirectly in ascertaining worthiness for issue of any HDFC credit card.

Hope it helps you in some way. 🙂

 

[cesc007]

Some facts in my case....

1. I had taken an HDFC Home Loan for Rs 20L way back in 2010. I prepaid the loan by 2015. Missed only one payment due to some cheque issue. I had also taken a car loan from a different bank for 15L taken in 2014 and finished in 2021 - never missed any payment in this.
2. I opened an HDFC savings account only in 2019. I had some savings and some FDs. It was not a salary account. Imperia account.
3. I did not have any credit card - only debit card. The first time I applied ever for a credit card was this year when I applied for Infinia Metal in March 2024 and got it approved over 2-3 days on mobile by speaking to my RM cum BM. Received the card in April.
4. After receiving Infinia Metal as the first credit card of my life, I checked my CIBIL score in May 2024 and it said NH i.e. No History. Haven't checked CIBIL again after that.

So, I don't know if any home loan (taken long ago and pre-paid/finished long ago) impacts your chances of any HDFC credit card. But these are the facts in my case.... if you can draw any worthwhile inference(s) from them.

But my hunch says... a good and positive home loan relationship with HDFC - even if long ago - does help indirectly in ascertaining worthiness for issue of any HDFC credit card.

Hope it helps you in some way. 🙂

Did you already meet the salary criteria?

 

[amitr29]

Some facts in my case....

1. I had taken an HDFC Home Loan for Rs 20L way back in 2010. I prepaid the loan by 2015. Missed only one payment due to some cheque issue. I had also taken a car loan from a different bank for 15L taken in 2014 and finished in 2021 - never missed any payment in this.
2. I opened an HDFC savings account only in 2019. I had some savings and some FDs. It was not a salary account. Imperia account.
3. I did not have any credit card - only debit card. The first time I applied ever for a credit card was this year when I applied for Infinia Metal in March 2024 and got it approved over 2-3 days on mobile by speaking to my RM cum BM. Received the card in April.
4. After receiving Infinia Metal as the first credit card of my life, I checked my CIBIL score in May 2024 and it said NH i.e. No History. Haven't checked CIBIL again after that.

So, I don't know if any home loan (taken long ago and pre-paid/finished long ago) impacts your chances of any HDFC credit card. But these are the facts in my case.... if you can draw any worthwhile inference(s) from them.

But my hunch says... a good and positive home loan relationship with HDFC - even if long ago - does help indirectly in ascertaining worthiness for issue of any HDFC credit card.

Hope it helps you in some way. 🙂

Thanks for the detailed report. Did you qualify for Infinia basis your income? What was the FD amount and balance your maintained? Thanks

 

[techstrom007]

It all depends on the RM, One can easily get the card approved while 90% of RM's didn't have any knowledge about the processes.

If you put sufficient pressure on RM/BM to move loan to another bank and they can see the value in the loan they can easily sort the card for you.

Intially they will deny all together and give lame reasons.

 

[Virtual King]

Did you already meet the salary criteria?

You can check this post for some more details

Infinia Thread 'My First Credit Card Infinia Metal and Comprehensive Guide on How to Use It'

Jul 24, 2024

Dear TF Family,

1. My Infinia Metal Credit Card Journey. I have received the 1st credit card of my life - Infinia Metal - and have activated it on 1st May 2024. My Infinia journey was quite short and sweet. The process started when I finally decided to go in for a credit card which I was so far avoiding due to various reasons. I just requested my RM to give me the Infinia Metal and he took about 2-3 days and then informed me that I was eligible, and the process started. My eligibility was possibly based on these factors - I have an ITR of Rs 50 L plus and have an Imperia account...

• Virtual King
• hdfc bank credit card infinia metal
• Replies: 48
• Forum: Super Premium Credit Cards

• 
• 
• 

 

[Virtual King]

Thanks for the detailed report. Did you qualify for Infinia basis your income? What was the FD amount and balance your maintained? Thanks

You can check this post for some more details

Infinia Thread 'My First Credit Card Infinia Metal and Comprehensive Guide on How to Use It'

Jul 24, 2024

Dear TF Family,

1. My Infinia Metal Credit Card Journey. I have received the 1st credit card of my life - Infinia Metal - and have activated it on 1st May 2024. My Infinia journey was quite short and sweet. The process started when I finally decided to go in for a credit card which I was so far avoiding due to various reasons. I just requested my RM to give me the Infinia Metal and he took about 2-3 days and then informed me that I was eligible, and the process started. My eligibility was possibly based on these factors - I have an ITR of Rs 50 L plus and have an Imperia account...

• Virtual King
• hdfc bank credit card infinia metal
• Replies: 48
• Forum: Super Premium Credit Cards

• 
• 
•