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HDFC credit card pre-approved offer

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CARDBITRAGE

CARDBITRAGE

TF Legend
I received a pre-approved credit card offer for a moneyback+ credit card. I have a MAB of close to 8L in my savings account and a few deposits with HDFC as well. Do I accept the offer and organically upgrade my card or wait for a better card? I would appreciate your valuable insights.
 
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Thats the problem with hdfc, they don't repect loyalty. Offering cheap cards to high nrv people.
I too had 12L nrv but they offered 1L milinia
 
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John123 said:
No way they are giving this card for maintaining 8L balance 😂🙏
Click to expand...
Do you think so? Then look at this... ( a wonderful HDFC experience so far)

I have a preferred account (3 months old) with SB balance of 13 lakhs(gradually increased), FD of 10 lakhs and and RD of 5k each month for 15 months..
I have paid for other banks CC bills thru hdfc billpay to the tune of about 5 lakhs till now.

Guess what, I was offered a paid moneyback card with upto 75k CL and just today I received an email with moneyback LTF with upto 125K CL...
Will wait for a few more months and see what they offer...
 
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ssv said:
Do you think so? Then look at this... ( a wonderful HDFC experience so far)

I have a preferred account (3 months old) with SB balance of 13 lakhs(gradually increased), FD of 10 lakhs and and RD of 5k each month for 15 months..
I have paid for other banks CC bills thru hdfc billpay to the tune of about 5 lakhs till now.

Guess what, I was offered a paid moneyback card with upto 75k CL and just today I received an email with moneyback LTF with upto 125K CL...
Will wait for a few more months and see what they offer...
Click to expand...
Why don't you try with ITR if you want a better card? You can use the NRV in your favour for further negotiations with your BM/RM.
 
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CARDBITRAGE said:
I received a pre-approved credit card offer for a moneyback+ credit card. I have a MAB of close to 8L in my savings account and a few deposits with HDFC as well. Do I accept the offer and organically upgrade my card or wait for a better card? I would appreciate your valuable insights.
Click to expand...
You can get tata neu+ ltf. I aslo got the pre-approved offer.
 
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CARDBITRAGE said:
Oh okay. Bear with them. I received MB+ as well in the beginning as well. If you have good cashflow in your account, you will find better offers.
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All my funds are going thru in and out this account only for the last 3 months on an average about 8 lakhs a month, let's see what I get
 
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On a separate note, I am seriously thinking of opening a Poineer relationship with Indusind.. I already have Icici WM and HDFC preferred.. my local Indusind branch is only 5 minutes walk .Just a quick feedback if any.
I will discuss later in the Indusind forum
 
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ssv said:
On a separate note, I am seriously thinking of opening a Poineer relationship with Indusind.. I already have Icici WM and HDFC preferred.. my local Indusind branch is only 5 minutes walk .Just a quick feedback if any.
I will discuss later in the Indusind forum
Click to expand...
I can only say one thing, it will test your patience. 🤣
 
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Do you see the value? I'm happy with my Exclusive account. Their top-tier cards are pretty much useless. I would not bother taking it if it was not LTF. Even if it was, most of their cards would just be eye candy. Personally, I felt that the service through my branch is top-notch. Their customer care and the backend is quite lackluster. Their IT infra needs a BIG overhaul. At least half the time, it's unreliable. After everything I just said if you can somehow derive value for the NRV you will contribute, go ahead.
 
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