HDFC PHONEPE ULTIMO CARD

[Stephen25]

Anyone Applied Hdfc PhonePe Ultimo Credit card? It's shows Coming soon only...
Is there any direct link? To apply for it.

 

[SSV]

Plan is cool, but sbi LTF not low chance it's not possible. There is no LTF card in their portfolio.

Though afterwards using the card they sometimes make LTF.


In fear of over leverage issue I am not closing simply click, though I don't need it. I am waiting for the time when they start upgrading to phonepe card from existing card. Because if I close they will surely make me over leverage and never give another card.

True.. I forgot that they never offered any card as LTF, but they later make it LTF.

Yes.. dont ever close any SBI card which is the last SBI card.. we will never ever get into their system again...

 

[SSV]

The biggest regret I have is that I cancelled SBI cashback card. By the time I applied again they started responding with over-leveraged stuff.
I am stuck with a BPCL Octane which I only use in sales.

I still don't know why you had closed CB card to start with.. what made you to close CB card??

 

[cardy]

I still don't know why you had closed CB card to start with.. what made you to close CB card??

It's the question of the millennium?
How could anyone close sbi cashback card!

 

[cardy]

True.. I forgot that they never offered any card as LTF, but they later make it LTF.

Yes.. dont ever close any SBI card which is the last SBI card.. we will never ever get into their system again...

I have octane, cashback, simply click
But now a days when the agents are approaching and I am saying i have three they are in shock, saying sbi don't allow 3 card. Only 2, May be they are not allowing 3rd card now a days, easily, i don't know for sure. So not taking the risk of closing and apply again for phonepe sbi.

 

[SSV]

I have octane, cashback, simply click
But now a days when the agents are approaching and I am saying i have three they are in shock, saying sbi don't allow 3 card. Only 2, May be they are not allowing 3rd card now a days, i don't know for sure. So not taking the risk of closing and apply again for phonepe sbi.

NO.. no..
even if you close the third card, if they apply the overleverage formula .. you wont get PP card.

for arugement sake, even if you close all the 3 cards, if you are overleveraged for PP card application purposes, you won't get PP card.. Full stop...

 

[cctrick]

Not sure why so much hype for this card. The 10% Cashback is having capping of 1000 so basically if someone already has SBI CB / HDFC Milenia / Swiggy .. then its just a benefit of extra 500 per month.

So didnt feel bad even when my SBI Black card was rejected but now i am also waiting for HDFC Ultimo since Saturday morning.Its good to get it but even if i dont get it doesnt impact much.

 

[iamvk]

Not sure why so much hype for this card. The 10% Cashback is having capping of 1000 so basically if someone already has SBI CB / HDFC Milenia / Swiggy .. then its just a benefit of extra 500 per month.

So didnt feel bad even when my SBI Black card was rejected but now i am also waiting for HDFC Ultimo since Saturday morning.Its good to get it but even if i dont get it doesnt impact much.

USP of this card is cashback on utilities.

 

[krish11]

I also have one blot in my CIBIL for missing 1 payment of just 200rs that too for HDFC card and always regret about it. It happened because of some failure in payment at Mobikwik. But this didn't impacted my Ultimo card approval, so there is no fixed algorithm bank is following to approve/reject !!

Interestingly, after rejecting my Ultimo Card request, they are offering upgrade to DCB Metal because of my poor repayment track 😂

 

[pprakash11]

New Twist:
My penniest limit is on HDFC - 2L and they found me eligible for ULTIMO!

Application done ☑️
Review under process.

@Strange

 

[kuchbhikuchbhi is verified member.]

New Twist:
My penniest limit is on HDFC - 2L and they found me eligible for ULTIMO!

Application done ☑️
Review under process.

@Strange

Damn


then its random selection
still I think people with around 3L are safe

 

[Rishabh]

Interestingly, after rejecting my Ultimo Card request, they are offering upgrade to DCB Metal because of my poor repayment track 😂

Because it brings lot of money to bank in annual fees. Am sure they are not offering LTF !!

 

[darkjediknight]

I still don't know why you had closed CB card to start with.. what made you to close CB card??

1. I was stupid and naive
2. They had given 20k limit which made it really hard to use the card. My other SBI Card had 3L limit.
3. I had Magnus with 1L milestone feature at that time

 

[Donald J. Trump]

1. I was stupid and naive
2. They had given 20k limit which made it really hard to use the card. My other SBI Card had 3L limit.
3. I had Magnus with 1L milestone feature at that time

Even I call them and give threats of closing CB if they don't waive AF, because my limit is 36k and there's no way I am meeting 2,00,000 fee waiver spend criteria with that limit. if they take it seriously I immediately change my decision, but mostly they reverse AF.

 

[darkjediknight]

Even I call them and give threats of waiving CB AF, if they take it seriously I immediately change my decision, but mostly they reverse AF.

At that time they weren't even taking request to limit enhancement. I just closed the card. Who knew it'll start giving CB for tax payments 😭

 

[Garry]

1. I was stupid and naive
2. They had given 20k limit which made it really hard to use the card. My other SBI Card had 3L limit.
3. I had Magnus with 1L milestone feature at that time

I was in the same boat. They reduced my SBI CB card limit to 20k from 160k which I transferred from my first card. I called cc to close the card and the retention team offered to make it LTF and I kept it. Now they also restored my limit to 160k few month back.

 

[Donald J. Trump]

Who knew it'll start giving CB for tax payments 😭

After that I am the most honest tax payer in this nation. Akshay Kumar who?

 

[Donald J. Trump]

I was in the same boat. They reduced my SBI CB card limit to 20k from 160k which I transferred from my first card. I called cc to close the card and the retention team offered to make it LTF and I kept it. Now they also restored my limit to 160k few month back.

Why they decreased it to this extent?

 

[Garry]

Why they decreased it to this extent?

Don’t know exactly but it happened to mass card holders in starting months when card was issued as most of us were buying apay gvs thru gyftr to fetch 5% cb to the max. 🤭

 

[Donald J. Trump]

Don’t know but it happened to mass card holders in starting months when card was issued as most of us were buying apay gvs thru gyftr to fetch 5% cb to the max. 🤭

 

[darkjediknight]

I was in the same boat. They reduced my SBI CB card limit to 20k from 160k which I transferred from my first card. I called cc to close the card and the retention team offered to make it LTF and I kept it. Now they also restored my limit to 160k few month back.