HDFC has Started Online Applications for Secured Credit Cards using FD

darkjediknight · Tuesday at 2:31 PM

You can now apply for FD based secured credit cards listed here (including Biz Black)

Apply for Credit Card Against Fixed Deposit Instantly | HDFC Bank

Apply for a Credit Card Against FD with HDFC Bank. Enjoy instant approval, no income proof required, earn reward points/cashback on eligible transactions & build your credit score.

www.hdfcbank.com

Example URL for Biz Black application: https://applyonline.hdfcbank.com/di...ebsite_organic_cc_on_fd_cat_pg_bizblack_metal

I tried to apply for Biz Black for a family member, but they didn't proceed saying FD is not eligible for the card. I tried with FD amount more than 6 lakhs.

Please share your experiences here in case someone is able to successfully apply for any card.

Found this on reddit today about probably eligibility of all cards. Source: /r/CreditCardsIndia/comments/1it0bpd/hdfc_eligibility_list_for_all_hdfc_credit_cards

VISION · Tuesday at 8:30 PM

will there be any cibil hit for checking?

darkjediknight · Tuesday at 8:31 PM

VISION said:
will there be any cibil hit for checking?

I got a notification from CIBIL so they are checking credit score. Very stupid of them to do this even when they are saying FD is not eligible for card 🤦‍♂️

aniketkr.sharma · Tuesday at 8:35 PM

hender said:
But against FD it would be LTF(aligned to FD life ) ? What would be the Min FD amt to get it ?

1.5 lakhs as millennia base limit is 1 lakh (exceptions do exist).

Regarding to fees its just 180+gst annually

So, don't worry for millennia fees

techstrom007 · Tuesday at 9:18 PM

kuchbhi said:
infinia based on fd directly on website how can you expect : this was what I meant!

then everyone will get hand on it right : no more premium.

They already have infinia on FD of 1Cr .

1Cr FD == 1Cr TRV .. you get the infinia.

techstrom007 · Tuesday at 9:19 PM

aniketkr.sharma said:
Me
For 35 lakhs they gave infinia and bizpower right?

1Cr Fd == 1 cr Nrv

it's pretty much clear. Fd is actually getting counted in the NRV already.

aniketkr.sharma · Tuesday at 9:24 PM

techstrom007 said:
1Cr Fd == 1 cr Nrv

it's pretty much clear. Fd is actually getting counted in the NRV already.

Bro he got that with 25 L fd only and 2 accounts with 5L IP Accounts

techstrom007 · Tuesday at 9:27 PM

aniketkr.sharma said:
Bro he got that with 25 L fd only and 2 accounts with 5L IP Accounts

Possible till sept last yr. My BM confirmed the criteria was 32L ITR till last sept.

So he was kind of meeting the criteria, somewhat.

Smaller branches can accelrate the process.

rrshared · Tuesday at 10:01 PM

As context, I had closed all my retail credit cards with HDFC (Regalia and Neu Infinity) with the intention of applying for BizBlack after 3+ months (as informed by my RM at that time). Given that BizBlack is not eligible for FD based CC I thought BizPower may be a good option in the interim.

1. What's the typical FD requirement for BizPower?
2. Can the card be upgraded to BizBlack at later stage basis usage if customer is willing to increase FD?
3. Till when is this online application for secured CC expected to continue?

Sobirvs · Tuesday at 10:22 PM

VISION said:
will there be any cibil hit for checking?

it didn't check for me. After putting ph no. and DOB, it told me this.

Thank you for applying for an HDFC Bank Credit Card. Unfortunately, we are unable to process your application as you already have a Credit Card from HDFC Bank.

I checked cibil report right now, no enquiry. Also usually whenever there is an enquiry I get SMS which I didn't.

aniketkr.sharma · Tuesday at 10:41 PM

rrshared said:
As context, I had closed all my retail credit cards with HDFC (Regalia and Neu Infinity) with the intention of applying for BizBlack after 3+ months (as informed by my RM at that time). Given that BizBlack is not eligible for FD based CC I thought BizPower may be a good option in the interim.

1. What's the typical FD requirement for BizPower?
2. Can the card be upgraded to BizBlack at later stage basis usage if customer is willing to increase FD?
3. Till when is this online application for secured CC expected to continue?

1. More than 10 lakhs to 30 lakhs as said by above members.

2. Depends on the amount

3. Only HDFC upper management Knows

hender · Wednesday at 3:21 PM

hender said:
Can we get any good card for small FD of upto .50 to 2 lakhs.

As per list shared today, Millenia FD lien 115k, DCP 220k, so it was not so far as per Idea I had in mind.

darkjediknight · Wednesday at 3:29 PM

Found this card list with eligibility on reddit today

Centurion_wala · Wednesday at 6:05 PM

jack333 said:
They will again start giving infinia easily. It has already lost its shine after the launch of icici ishop portal

Usse pehle kahi ishop ka hi devaluation na aajaye 🤣

Rcbian · Thursday at 12:54 AM

Ayushsingh_2001 said:
Nope opened recently specifically for the fd 8 months ago same for me and got infinia based on the negotiation tried bizblack after that as floater no luck so thought why not use the fd and get bizblack in return but hdfc being hdfc won't give you card

Ayushsingh_2001 said:
Nope opened recently specifically for the fd 8 months ago same for me and got infinia based on the negotiation tried bizblack after that as floater no luck so thought why not use the fd and get bizblack in return but hdfc being hdfc won't give you card easily

For Infinia what amount of FD you did?

Ayushsingh_2001 · Thursday at 3:20 AM

Rcbian said:
For Infinia what amount of FD you did?

Infinia was unsecured did negotiations based on two preferred account for 5 lakh each deposit and 25 lakh fd

mighty · Thursday at 6:32 AM

darkjediknight said:
You can now apply for FD based secured credit cards listed here (including Biz Black)

Apply for Credit Card Against Fixed Deposit Instantly | HDFC Bank

Apply for a Credit Card Against FD with HDFC Bank. Enjoy instant approval, no income proof required, earn reward points/cashback on eligible transactions & build your credit score.

www.hdfcbank.com

Example URL for Biz Black application: https://applyonline.hdfcbank.com/di...ebsite_organic_cc_on_fd_cat_pg_bizblack_metal

I tried to apply for Biz Black for a family member, but they didn't proceed saying FD is not eligible for the card. I tried with FD amount more than 6 lakhs.

Please share your experiences here in case someone is able to successfully apply for any card.

Found this on reddit today about probably eligibility of all cards. Source: /r/CreditCardsIndia/comments/1it0bpd/hdfc_eligibility_list_for_all_hdfc_credit_cards
View attachment 84188

This is from my reddit page. I had posted this

darkjediknight · Thursday at 6:45 AM

mighty said:
This is from my reddit page. I had posted this

Thanks much. I had already added your post as the source. 🙂

hender · Thursday at 8:29 AM

@mighty @darkjediknight , Thank you for sharing 😊.
Along with that DIY Credit Card - Voucher also available.
Am posting here, not creating seperate thread for this.

yogs · Thursday at 9:22 AM

Any idea if secured credit cards are LTF? Or usual charges would be applicable? Mostly seen secured cc are LTF.

hender · Thursday at 10:05 AM

yogs said:
Any idea if secured credit cards are LTF? Or usual charges would be applicable? Mostly seen secured cc are LTF.

+ 1, as per site, normal charges no LTF.
Any real experience can guide us.

HDFC has Started Online Applications for Secured Credit Cards using FD

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