HDFC Millennia conditional LTF queries

[Akash Topder]

I have multiple queries regarding some of the LTF offers HDFC is providing on Millennia and other cards

1. 50k 'retail' spend in first 90 days for Millennia to make LTF. Now I don't have much idea which spends are retail and which are not. Tried contacting customer care and they only said that wallet reloads, EMI spends, fuel spends aren't retail but they have no clue if spends like rent payment, insurance premium payments are retail or not.
2. I have heard that some HDFC cards including Millennia can be LTF if applied with card to card basis. Is it true? And if it is true then what is the minimum limit and the minimum number of card statement months HDFC requires?
3. I've heard that applying for an add on card makes the primary card LTF, is it true and if it's true then what is the maximum age they require for whom someone will be applying for an add on?

 

[mvsaikrishna666]

Insurance payment is considered for this LTF condition. I got business moneyback card and I need to spend 30K in 90days for LTF. Recently I made insurance purchase of 33K. And in the next statement I got this "1 RP MASS LTF". Attaching the screenshot here.

 

[HB25]

Fuel spends is also considered in retail spends. Maybe try contacting customer care again or try asking over email for clarification.

 

[Akash Topder]

Insurance payment is considered for this LTF condition. I got business moneyback card and I need to spend 30K in 90days for LTF. Recently I made insurance purchase of 33K. And in the next statement I got this "1 RP MASS LTF". Attaching the screenshot here.

Oh I see but what about rent payment? Any idea?

 

[Sevendar@01]

I have multiple queries regarding some of the LTF offers HDFC is providing on Millennia and other cards

1. 50k 'retail' spend in first 90 days for Millennia to make LTF. Now I don't have much idea which spends are retail and which are not. Tried contacting customer care and they only said that wallet reloads, EMI spends, fuel spends aren't retail but they have no clue if spends like rent payment, insurance premium payments are retail or not.
2. I have heard that some HDFC cards including Millennia can be LTF if applied with card to card basis. Is it true? And if it is true then what is the minimum limit and the minimum number of card statement months HDFC requires?
3. I've heard that applying for an add on card makes the primary card LTF, is it true and if it's true then what is the maximum age they require for whom someone will be applying for an add on?

1) all payments made online and offline such as grocery, school fee, ola , flipkart etc are considered, rent payment is also considered under retails spends but wallet, emi and fuel isn't considered.
2) Not sure but have seen people getting LTF millenia, for applying C2C the minimum limit on your card must be 1L and it should more than 6 months old and you need to apply from branch. But please confirm from the branch about LTF using C2C.
3) Yes getting add on card also make your card LTF he/she must be blood relative and have more than 18 years of age, you need to go to branch to apply addon card.
"Giving you such info as I also have millenia"

 

[Akash Topder]

Fuel spends is also considered in retail spends. Maybe try contacting customer care again or try asking over email for clarification.

Okay maybe it was a confusion from their part

 

[Akash Topder]

1) all payments made online and offline such as grocery, school fee, ola , flipkart etc are considered, rent payment is also considered under retails spends but wallet, emi and fuel isn't considered.
2) Not sure but have seen people getting LTF millenia, for applying C2C the minimum limit on your card must be 1L and it should more than 6 months old and you need to apply from branch. But please confirm from the branch about LTF using C2C.
3) Yes getting add on card also make your card LTF he/she must be blood relative and have more than 18 years of age, you need to go to branch to apply addon card.
"Giving you such info as I also have millenia"

Thank you for the comprehensive reply. One question is if the blood relative doesn't have any credit history with his/her PAN will the person be eligible?

 

[ashwinkashwink is verified member.]

Except EMI Transactions all types of transactions are considered including Rent, Fuel,Wallet,Insurance etc...

 

[Akash Topder]

Except EMI Transactions all types of transactions are considered including Rent, Fuel,Wallet,Insurance etc...

Not sure about Fuel as there is confusion about the same but wallet reload isn't considered

 

[Sevendar@01]

Thank you for the comprehensive reply. One question is if the blood relative doesn't have any credit history with his/her PAN will the person be eligible?

yes they are eligible

 

[ARV]

1) all payments made online and offline such as grocery, school fee, ola , flipkart etc are considered, rent payment is also considered under retails spends but wallet, emi and fuel isn't considered.
2) Not sure but have seen people getting LTF millenia, for applying C2C the minimum limit on your card must be 1L and it should more than 6 months old and you need to apply from branch. But please confirm from the branch about LTF using C2C.
3) Yes getting add on card also make your card LTF he/she must be blood relative and have more than 18 years of age, you need to go to branch to apply addon card.
"Giving you such info as I also have millenia"

Just to add for the add on card, if the person you are adding has HDFC account you can apply through net banking. I did the same. All they need is customer id and phone number