HDFC LTF Credit Card

[bhavyakjain]

Hi

Can someone please help me get HDFC core credit card LTF?

I have savings account since Jan but no pre-approved offers yet. I am looking to get Regalia Gold (preferably) or Millenia or Infinia (if I am lucky).

Please DM for details
Thanks

Edit:
My monthly salary ~2L
My Cibil : 779
Current card portfolio:
1. Apay : 8.5L since Sep 22
2. Axis ace : 5L since Apr 23
3. ICICI coral : 12L since Mar 24
4. Amex Plat Travel : 8.93L since Mar 24
5. Federal Celesta : 7.98L since May 24

 

[yusuf646]

Hi

Can someone please help me get HDFC core credit card LTF?

I have savings account since Jan but no pre-approved offers yet. I am looking to get Regalia Gold (preferably) or Millenia or Infinia (if I am lucky).

Please DM for details
Thanks

Have you informed your relationship manager? You should try an offline approach for Millennia. It usually LTF & gets an approval easily.

 

[Nishan11]

Hi

Can someone please help me get HDFC core credit card LTF?

I have savings account since Jan but no pre-approved offers yet. I am looking to get Regalia Gold (preferably) or Millenia or Infinia (if I am lucky).

Please DM for details
Thanks

It's an open forum.

If you can share your portfolio of cards that you have & your income range.

Then only members can suggest.

 

[bhavyakjain]

It's an open forum.

If you can share your portfolio of cards that you have & your income range.

Then only members can suggest.

Updated in the thread

 

[Nishan11]

Hi

Can someone please help me get HDFC core credit card LTF?

I have savings account since Jan but no pre-approved offers yet. I am looking to get Regalia Gold (preferably) or Millenia or Infinia (if I am lucky).

Please DM for details
Thanks

Edit:
My monthly salary ~2L
My Cibil : 779
Current card portfolio:
1. Apay : 8.5L since Sep 22
2. Axis ace : 5L since Apr 23
3. ICICI coral : 12L since Mar 24
4. Amex Plat Travel : 8.93L since Mar 24
5. Federal Celesta : 7.98L since May 24

You are more than eligible for getting Millenia & even Regalia Gold with your salary. Push your RM. You should get it easily.

Alternatively, wait few months, than C2C at branch offline for Regalia Gold with your existing Amex plat travel, most probably you will get it LTF, though HDFC is unpredictable, but its one of your best chance.

Infinia LTF is tough to get. You need 2.7L/month to apply for paid infinia. @SSV can guide you better.

 

[bhavyakjain]

You are more than eligible for getting Millenia & even Regalia Gold with your salary. Push your RM. You should get it easily.

Alternatively, wait few months, than C2C at branch offline for Regalia Gold with your existing Amex plat travel, most probably you will get it LTF, though HDFC is unpredictable, but its one of your best chance.

Infinia LTF is tough to get. You need 2.7L/month to apply for paid infinia. @SSV can guide you better.

2.7L gross or net ?
I mean In bank statement or salary slip?

 

[Nishan11]

2.7L gross or net ?
I mean In bank statement or salary slip?

2.7L/month net for infinia paid.

 

[bhavyakjain]

You are more than eligible for getting Millenia & even Regalia Gold with your salary. Push your RM. You should get it easily.

Alternatively, wait few months, than C2C at branch offline for Regalia Gold with your existing Amex plat travel, most probably you will get it LTF, though HDFC is unpredictable, but its one of your best chance.

Infinia LTF is tough to get. You need 2.7L/month to apply for paid infinia. @SSV can guide you better.

Asked my RM
But they said the same thing as any other Bank person.
No more LTF cards by HDFC.

What are my alternatives ?

Does HDFC provide any core basic card LTF? Similar to ICICI Platinum, a shittycard even.
I am hoping if u get one LTF card, later on I can upgrade it to a decent card LTF .

Open to suggestions

 

[agrprashantagrprashant is verified member.]

• Before anything, check for card eligibility in https://applyonline.hdfcbank.com/ca..._places&icid=website_target_cc_cat_banner#nbb
• There was a time when most HDFC credit cards were LTF. Then they made it LTF on opting for a cross-sell. Not anymore
• If you want to get a pre-approved offer, maintain as much balance as you can in your HDFC account and try for Preferred banking or above to increase the odds of getting one in 3-6 months
• Most RMs are useless
• One method that worked (for my wife) is requesting for LTF after approval saying such and such benefit (e.g. lounge access) has been revoked so make it LTF to customerservices.cards@hdfcbank.com
• Check offline MID pricing form from your nearest HDFC branch/credit card guy. Might have an offer running

---

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[normalnigga]

Hello HDFC Bank credit card enthusiast. I have digisave youth account with HDFC and I am getting offer for credit card of 25k limit only for freedom and Swiggy card. So, Today cc agent called me and when I ask her why i am getting offer for this low amount despite maintaining 80k amb. She said you are having youth account, that's why. Is this true?? Should I upgrade to regular saving account or keep this. Anyone with same problem.

I have opened account in April 2024.

 

[Ram1]

Hello HDFC Bank credit card enthusiast. I have digisave youth account with HDFC and I am getting offer for credit card of 25k limit only for freedom and Swiggy card. So, Today cc agent called me and when I ask her why i am getting offer for this low amount despite maintaining 80k amb. She said you are having youth account, that's why. Is this true?? Should I upgrade to regular saving account or keep this. Anyone with same problem.

I have opened account in April 2024.

I don't think that's completely True. It depends on ur profile. Is this ur first credit card?
Then take it as it improves ur cibil

 

[normalnigga]

I don't think that's completely True. It depends on ur profile. Is this ur first credit card?
Then take it as it improves ur cibil

I already have axis Neo. Closed Axis Ace.

 

[Ram1]

I already have axis Neo. Closed Axis Ace.

The present preapproved offer doesn't change immediately. It takes around 6months or more.
If u need hdfc urgently, better to take it