HDFC Mariott Bonvoy LTF

[Hisoka]

Hey everyone. I read a thread few weeks back in which people were not activating their Swiggy card and in turn received call from bank retention team who made it LTF. It's been more than 30 days that I've activated my Mariott card and I received a call today. Upon asking the reason for not activating the card, I told them the fees is too high.

They immediately sent an SMS and told that If I activate my card it'll be LTF. Is this message genuine? I didn't know that HDFC can convert premium cards into LTF as well.

Edit: I initially wanted to pay fees for this card but after looking at all the property offerings from Mariott, I realised 15k points isn't worth paying fees for as most of the good properties charge way higher value in points than in Rupees. So I decided not to activate this card after it was received. But if it gets converted to LTF, it can be good card for domestic and international lounge access and Lounge network of Diners cards is better than Visa, plus no pain of carrying priority pass as well.

 

[runzone]

Looks like its genuine. Which route did you apply this card?

 

[Hisoka]

Looks like its genuine. Which route did you apply this card?

Mariott website, it further took me to HDFC's portal

 

[runzone]

Mariott website, it further took me to HDFC's portal

Did it have a cibil enquiry?

 

[ak95]

just confirm with customer care whether this is Lifetime Free or Lifetime Free*

 

[imdjay]

Congrats. It's genuine.

 

[Hisoka]

just confirm with customer care whether this is Lifetime Free or Lifetime Free*

I guess they said lifetime free unconditionally

 

[Hisoka]

Did it have a cibil enquiry?

Yes, while applying

 

[Viper1057]

Seems genuine, go ahead

 

[Hisoka]

Congrats. It's genuine.

Thanks. The link in the SMS just takes me to my cards page. I just have to activate my card and fees will not be levied right?

 

[Random123]

Congratulations this is new ! I unfortunately activated it already

But one thing you might want to check is the renewal benefit applicability of one free night and also silver elite and 10 elite night credits for the Ltf variant since that was the main benefit and don't think many are planning to use for anything else

 

[Viper1057]

I'm on the final apply page, should I try doing the same?
Income already verified through the new netbanking process and then it shown me this. Already have Infinia with 8L limit

 

[imdjay]

Thanks. The link in the SMS just takes me to my cards page. I just have to activate my card and fees will not be levied right?

Yes. but send an email and get a confirmation for your peace of mind and future reference.

 

[clark_kent]

The message looks genuine. Call/email and confirm again.

 

[bossman]

I'm on the final apply page, should I try doing the same?
Income already verified through the new netbanking process and then it shown me this. Already have Infinia with 8L limit

See if you'll be getting any of the welcome benefits if it's LTF or not. If not, card's only good for lounge access then (you'll anyway be doing all the spending on Infinia only)

 

[rsp92]

Thanks. The link in the SMS just takes me to my cards page. I just have to activate my card and fees will not be levied right?

Might be a silly question
If we get a credit card issued and we do not activate it, then we will not be levied any fee, is it?
Or is it that the fee is to be paid, even if we do not get it activated but have it issued in our name?

Having it issued in our name but without activation, won't that be counted as default/late payment?

 

[vaibhav111]

congrat! just email them as somone mentioned for reference & peace of mind.

 

[Shrinit Padwal]

Might be a silly question
If we get a credit card issued and we do not activate it, then we will not be levied any fee, is it?
Or is it that the fee is to be paid, even if we do not get it activated but have it issued in our name?

Having it issued in our name but without activation, won't that be counted as default/late payment?

If not activated - no fees should be charged. No, its not counted as late payment, as its not activated yet.

 

[CARDBITRAGE]

I'd suggest you get it in writing from HDFC, as in HDFC's parlance LTF also happens to mean spend-based(so you'll have to spend over an 'X' amount of money every year). XD

 

[D₹V]

Hey everyone. I read a thread few weeks back in which people were not activating their Swiggy card and in turn received call from bank retention team who made it LTF. It's been more than 30 days that I've activated my Mariott card and I received a call today. Upon asking the reason for not activating the card, I told them the fees is too high.

They immediately sent an SMS and told that If I activate my card it'll be LTF. Is this message genuine? I didn't know that HDFC can convert premium cards into LTF as well.

Edit: I initially wanted to pay fees for this card but after looking at all the property offerings from Mariott, I realised 15k points isn't worth paying fees for as most of the good properties charge way higher value in points than in Rupees. So I decided not to activate this card after it was received. But if it gets converted to LTF, it can be good card for domestic and international lounge access and Lounge network of Diners cards is better than Visa, plus no pain of carrying priority pass as well.

It is.

This was the method https://www.technofino.in/community...credit-card-lifetime-free-ltf-hit-miss.20109/

@vaibhav111 @ashwink maybe this can be merged 😳

Also this: https://www.technofino.in/community/threads/hdfc-swiggy-credit-card-fyf-rs-500-swiggy-voucher.20564/