HDFC LE analysis

[MONEY]

Anyone with 2 or more card has received LE from HDFC, if yes , please share your utilization , place where you spend , card in which you spend, and card in which you got LE.


I have not got LE for the last 3 years. Have 3 cards.my spends are around1 lak on infinia.

 

[Avatar Aang]

From 180000 to 15 lakhs.
I didn't even expect 5 lakhs.
View attachment 58408

Please share some more details. NRV, Salary, ITR etc. ballpark figures would be fine.

 

[sm9811911]

No LE for me; holding 2 cards. Was using as primary cards. Good LE for 1 family member, hardly any usage in last 1 yr.

 

[pranjal1984]

What I have realised is the key to getting big LE is to hardly use the card at all .

 

[Strange]

What I have realised is the key to getting big LE is to hardly use the card at all .

How much LE did you get after not using your card?

 

[pranjal1984]

How much LE did you get after not using your card?

It is only 15 days since I shifted my spends out from my Regalia Gold. There are numerous examples in this forum.

 

[nrj1007]

What I have realised is the key to getting big LE is to hardly use the card at all .

I got 6laks to 10lakhs while spending upwards of 50k per month.

 

[vishp]

I got another LE, this time a substantial one as well increased by 2.8X

my cards are millennia and tata neu

i got 20% in Sep 2023
i got 90% in Jan 2024
i got 280% in Jun 2024

Wow! What has been your spend pattern? Do you spend most on core or cobranded? Do you pay before bill generation to keep utilisation low or after bill generation?? Was it auto LE or manual LE?

 

[arone]

Wow! What has been your spend pattern? Do you spend most on core or cobranded? Do you pay before bill generation to keep utilisation low or after bill generation?? Was it auto LE or manual LE?

only the one in sep was manual remaining was auto. mostly on core. tata neu used only for insurance payment and upi. as for bill payment i pay 500 through indie for 50 every month remaining through sbi unipay. as for utilization i pay of mostly to hit 75k on my plat debit card for 1% remaining i pay next month (like if i only have bill of 20k but i have spends of 90k i pay for 75k and remaining i pay next month)

 

[jeevanreddy58]

Millennia + Tata neu

Got LE today after inception 😤

What's this LG code any idea?? I can't change it or turn it off


View attachment 54587

Are your other bank card limit is matched ?

 

[dealminer]

Are your other bank card limit is matched ?

Hdfc had the 2nd lowest limit after sbi prior to LE, now it's 3rd lowest.

No match

 

[drvenkat]

I used to get LEs but haven't got one since I upgraded to DCB.

Same for me as well my last LE was in 2019

 

[Trust Me]

Are your other bank card limit is matched ?

Hdfc had the 2nd lowest limit after sbi prior to LE, now it's 3rd lowest.

No match

My HDFC CC limit happens to be the highest! Even higher than Axis and ICICI (and none is small)!

The problem is, it's on Moneyback, -- so, of no use. I'd given up trying to make sense of HDFC's actions. 🙂
.

 

[vineetverma]

Nrv is very good but card is basic business money-back.

Lol. Bhai, 'good' se kuch na samajh aata. Yahan 2 saal se LE ki raah dekh rahe hain aur tum 'good' kehke tarka rahe ho. Thodi details do (nothing confidential, of course). Tabhi to baat ban payegi.

 

[aniketkr.sharma]

Got regalia gold & infinity both ltf.

 

[Homer2]

Today I got this LE. Only once I got more than 50k LE in last 4 years. Started with 40k limit money back card.

 

[Bhaskar]

Got peanut LE on 7 months old diners millenia. 94k to 1 lakh.

 

[HumorSimpson]

Today I got this LE. Only once I got more than 50k LE in last 4 years. Started with 40k limit money back card.

Homer. . . ?

 

[Strange]

Today I got this LE. Only once I got more than 50k LE in last 4 years. Started with 40k limit money back card.

Are you maintaining high NRV with the bank or do you have salary account with them?

 

[ManojGowda]

Today I got this LE. Only once I got more than 50k LE in last 4 years. Started with 40k limit money back card.

What is your relationship with HDFC and your spending pattern on the card?

 

[Homer2]

Homer. . . ?

Homer 2. I think there's already a Homer here.