Hdfc credit card policies

[Darkhorse96]

I recently got a phone call from hdfc bank credit card agent she just asked general questions reagarding my employment and income and she applied for hdfc money back plus credit card and it got approved and I got a credit limit of 30000. I hold hdfc account and this card money back plus) was pre approved which I didn't knew 😑, I got to know from that lady executive. I got credit card without any income proof just because my credit score crif was 806, and experian 749, high mark 763. I think I got credit card without any income proof just because of my score.

So enough of blabbering my question is if I have to apply for credit card from hdfc then which card should I apply say after 6 months or so because I got this money back plus few days back. If I have to apply for another credit card from hdfc bank which card I should apply on card to card basis and yes I forgot I got virtual rupay card as well.

Need suggestion so I can plan my expenses on my hdfc money back plus for next 6 months. This is my first ever credit card and I don't have any other credit card.

 

[komal]

@Kushagra_ your brother?

 

[komal]

I recently got a phone call from hdfc bank credit card agent she just asked general questions reagarding my employment and income and she applied for hdfc money back plus credit card and it got approved and I got a credit limit of 30000. I hold hdfc account and this card money back plus) was pre approved which I didn't knew 😑, I got to know from that lady executive. I got credit card without any income proof just because my credit score crif was 806, and experian 749, high mark 763. I think I got credit card without any income proof just because of my score.

So enough of blabbering my question is if I have to apply for credit card from hdfc then which card should I apply say after 6 months or so because I got this money back plus few days back. If I have to apply for another credit card from hdfc bank which card I should apply on card to card basis and yes I forgot I got virtual rupay card as well.

Need suggestion so I can plan my expenses on my hdfc money back plus for next 6 months. This is my first ever credit card and I don't have any other credit card.

Millennia and Swiggy are best cc of HDFC

 

[Darkhorse96]

Millennia and Swiggy are best cc of HDFC

So say for example I apply for hdfc millenia after 6 months or so will I be able to get or are there more chances of swiggy getting approved.

 

[Kushagra_]

@Kushagra_ your brother?

N o i

 

[✪ D&C Cards Connoisseur 💳]

I recently got a phone call from hdfc bank credit card agent she just asked general questions reagarding my employment and income and she applied for hdfc money back plus credit card and it got approved and I got a credit limit of 30000. I hold hdfc account and this card money back plus) was pre approved which I didn't knew 😑, I got to know from that lady executive. I got credit card without any income proof just because my credit score crif was 806, and experian 749, high mark 763. I think I got credit card without any income proof just because of my score.

So enough of blabbering my question is if I have to apply for credit card from hdfc then which card should I apply say after 6 months or so because I got this money back plus few days back. If I have to apply for another credit card from hdfc bank which card I should apply on card to card basis and yes I forgot I got virtual rupay card as well.

Need suggestion so I can plan my expenses on my hdfc money back plus for next 6 months. This is my first ever credit card and I don't have any other credit card.

One most important point bro, HDFC issue only one Core Card like your Moneyback or Millennia and utmost two Cobranded Floater Cards like Swiggy and Tata Neu. Now coming to your query, if you work in IT giants or similar MNCs, then Millennia should be LTF through out the year, you can Close and Reapply after 3 months. If not, then use Moneyback for sometime, increase limit atleast between 50-80K , keep an eye for upcoming LTF Millennia offers. Then close and apply through agent. Also, don't take cobranded floater until and unless you have core. Take core first.
Like, if you are planning to close Moneyback, then take floater after getting Millennia or Diner's Privilege. Why I'm saying this? Bcoz, say your are taking Swiggy now as you have core. But when you will close Moneyback and in between cooling period, you will be only holding floater cobranded and you will face issue in getting core like Millennia. This rule doesn't apply in case of upgrade.
Hope this helps, best of luck.

 

[uipolo]

If I have to apply for another credit card from hdfc bank which card I should apply on card to card basis and yes I forgot I got virtual rupay card as well.

Apply for the Swiggy Credit Card from the Swiggy app; it will be approved without income proof, and the limit will be shared with your Moneyback card.

 

[Darkhorse96]

Oh

One most important point bro, HDFC issue only one Core Card like your Moneyback or Millennia and utmost two Cobranded Floater Cards like Swiggy and Tata Neu. Now coming to your query, if you work in IT giants or similar MNCs, then Millennia should be LTF through out the year, you can Close and Reapply after 3 months. If not, then use Moneyback for sometime, increase limit atleast between 50-80K , keep an eye for upcoming LTF Millennia offers. Then close and apply through agent. Also, don't take cobranded floater until and unless you have core. Take core first.
Like, if you are planning to close Moneyback, then take floater after getting Millennia or Diner's Privilege. Why I'm saying this? Bcoz, say your are taking Swiggy now as you have core. But when you will close Moneyback and in between cooling period, you will be only holding floater cobranded and you will face issue in getting core like Millennia. This rule doesn't apply in case of upgrade.
Hope this helps, best of luck.

Oh thanks 🙏. Means only one core credit card and other Co branded credit cards that means I can have Tata neu also and Swiggy at the same time. So what Combination I should have swiggy, Tata neu and money back plus or swiggy, tata neu and millenia 🤔

 

[Darkhorse96]

Apply for the Swiggy Credit Card from the Swiggy app; it will be approved without income proof, and the limit will be shared with your Moneyback card.

I have swiggy account registered with different mobile number and my hdfc bank account has different mobile number will that be a problem.

 

[Darkhorse96]

Apply for the Swiggy Credit Card from the Swiggy app; it will be approved without income proof, and the limit will be shared with your Moneyback card.

Noted sir thx

 

[harsh_ujjwal]

Apply only after six months else HDFC wale same limit chipka denge. Go fr swiggy or Tata Neu

 

[Aniket Sharma]

I recently got a phone call from hdfc bank credit card agent she just asked general questions reagarding my employment and income and she applied for hdfc money back plus credit card and it got approved and I got a credit limit of 30000. I hold hdfc account and this card money back plus) was pre approved which I didn't knew 😑, I got to know from that lady executive. I got credit card without any income proof just because my credit score crif was 806, and experian 749, high mark 763. I think I got credit card without any income proof just because of my score.

So enough of blabbering my question is if I have to apply for credit card from hdfc then which card should I apply say after 6 months or so because I got this money back plus few days back. If I have to apply for another credit card from hdfc bank which card I should apply on card to card basis and yes I forgot I got virtual rupay card as well.

Need suggestion so I can plan my expenses on my hdfc money back plus for next 6 months. This is my first ever credit card and I don't have any other credit card.

With this limit you are literally f***** up by hdfc.

Only swiggy hdfc (i doubt this one as well) will be given to you & tata neu plus variant.

For millennia & other good cards wait for LE or get manual LE by submitting income docs then you will be eligible for good cards.

 

[Darkhorse96]

With this limit you are literally f***** up by hdfc.

Only swiggy hdfc (i doubt this one as well) will be given to you & tata neu plus variant.

For millennia & other good cards wait for LE or get manual LE by submitting income docs then you will be eligible for good cards.

I Will wait for limit increase offer and then I will apply for swiggy or tata neu I'm not at all in hurry, I have applied for sbi simply click as well lets see what happens 😁

 

[Darkhorse96]

Apply only after six months else HDFC wale same limit chipka denge. Go fr swiggy or Tata Neu

🤣😂🤣 Wo toh hai hi islye mei bhi wait and watch ka game hi khekunga dhire se hole se 6 mahine bad hi apply karunga swiggy se 😁

 

[Aniket Sharma]

🤣😂🤣 Wo toh hai hi islye mei bhi wait and watch ka game hi khekunga dhire se hole se 6 mahine bad hi apply karunga swiggy se 😁

6 mahine pehle approve v ni krnge, ye sb totke 2023 tk hi chalte the ab bahot restrictions hai

 

[komal]

N o i

Then must be your son

 

[Darkhorse96]

6 mahine pehle approve v ni krnge, ye sb totke 2023 tk hi chalte the ab bahot restrictions hai

Aise kya, thik hai fir limit hi badha de toh thik 😁

 

[komal]

Aise kya, thik hai fir limit hi badha de toh thik 😁

Uske liye bhi papad belna padega
It's not easy with HDFC .
Agar desired card mila to thik nahi to fir sabhi cards ko close karke firse apply karna padega

 

[Darkhorse96]

Bhai mei 50 se 80 hajar ke limit mei khush hun, ek lac ho jaye toh balle balle, vaise mei sbi ka smilpy click bhi kar try to kar raha hun dekhte hai kya hota hai

Uske liye bhi papad belna padega
It's not easy with HDFC .
Agar desired card mila to thik nahi to fir sabhi cards ko close karke firse apply karna padega

 

[akshayhs]

Bhai mei 50 se 80 hajar ke limit mei khush hun, ek lac ho jaye toh balle balle, vaise mei sbi ka smilpy click bhi kar try to kar raha hun dekhte hai kya hota hai

Arey woh bhai nahi hain 😂