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HDFC Pre approved Credit Card Application URL - Decoded...

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SSV

SSV

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This thread is in continuation to my previous thread

My Previous thread is here:
www.technofino.in

HDFC CC Pre Apporved Offer - CIBIL Hit or Not -- Decoded( I think)...

Note: There is a follow up thread to this thread i.e. URL Decoding. That next thread is here: https://www.technofino.in/community/threads/hdfc-pre-approved-credit-card-application-url-decoded.14749/...
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URL Decoding - HDFC Card Applcation :​

Disclaimer: This is going to be a very lengthy post. The intention is to make sure even a newbie can understand and hence less follow up questions. Experts please bear with me...

(These examples could have diffferent values for different customers in different scenarios., hence the values could be dynamic. This is to give us more indepth info regarding our pre approved offers in general , nothing fancy... Some of them are my assumptions , could be right or wrong. Welcome to add your opions...)

This is just my 2 cents...

A few self explanatory examples of URL decoding:

Scenario 1

When we click on "apply now" link after after NB logout...(if we have any pre approved offers...)

1688473457525.png


We would get the URL like below:

/pre-approved-credit-cards?utm_content=MKTG&mc_id=website_organic_NBLP&icid=website_organic_NBLP#nbb

Let us breakdown the URL into different parts:

1) https://applyonline.hdfcbank.com/credit-cards/pre-approved-credit-cards
-- Means you already have some pre approved cards, hence the 2nd tab will be ' Choose your card ', means after identification process, you get to see the pre approved cards before hitting CIBIL for hard enquiry. If we don't choose any card here and don't go to next step then there won't be any CIBIL hit.
Pre approved doen't mean there is no CIBIL enquiry... Even though pre approved if you got submit your personal details andin the 3rd step, there will be CIBIL enquiry..
In pre approved cards case, if the second tab is ' Choose Card', then we get to have peek of which cards we are eligible. If we stop don't like the cards that we are eligible and if we stop here itself then there won't be any hard enquiry... I have been doing this and stopping here itself because I got only Moneyback and some other very basic cards and I don't like them , hence no enquiry for me. I have done this about 6 times till now.

In my view the above explanation would clear most of our doubt.... CIBIL Hit -- Yes or No...

2) utm_content=MKTG means marketing..( not sure of utm_content)

3) mc_id=website_organic_NBLP&icid=website_organic_NBLP#nbb . not sure of what mc_id and icid are.
but what it means is : the source of this link is coming from HDFCs own website and after Net Banking Logout Page (i.e.NBLP)

NBLP = Net Banking Logout Page, is the source of this checking offers page...

1688473583002.png



---------------------------------------------------​


Scenario 2
While in Net banking under offers click on already pre approved Card banner which shows credit limit
1688473656216.png

We would get URL like this:

The key words are highlighted in BOLD

Most of them are self explanatory and some I don't know or doen't matter and some I expalined..

pre-approved-credit-cards?utm_source=CP&utm_medium=netbanking&utm_campaign=CC-ACQ-remarketing&utm_content=MKTG&utm_creative=BUSSMONEYBACK&utm_term=template&cptc=29781.0.50100.10000.11970467821.1&tc=&cpctc=XXCP_CUSTOMER_TRACKING_CPXX#nbb


CC-ACQ-remarketing = Credit Card Acqisition remarketing.
BUSSMONEYBACK = Here itself we know the kind of CC we are going to apply for since we clicked on the preapproved cc banner...

1688473705147.png



---------------------------------------------------​

Scenario 3

When we click on the generic " best suited for you" banner under offers tab:


1688473930210.png


URL in this case is almost similar to my Cashback CC offer, except that it has ' Generic' as one of the parameters.
For those there is no pre approved offer, this URL will be definitely look different.
All other parameters are self explanatory or unknown)

And also note that the 2nd tab is still ' Chhose your card' as it is preapporved in my case.

pre-approved-credit-cards?utm_source=CP&utm_medium=netbanking&utm_campaign=CC-Acq-APS&utm_content=MKTG&utm_creative=Generic&cptc=30447.0.50100.10000.11970558717.1&tc=&cpctc=XXCP_CUSTOMER_TRACKING_CPXX#nbb
1688474345584.png


---------------------------------------------------​

Scenario 4:
Clicking on another generic banner: " get 1500 amazon gift voucher" banner ( this URL is different and tells a different story)
1688474460897.png
URL looks like below and the order of tabs changed!!
etb-pre-approved-credit-cards-without-offer.html?LGCode=MKTG&utm_source=cp&utm_medium=netbanking&utm_campaign=CC-Acq-Noofferbase&utm_content=textclockNTB&utm_creative=clock&cptc=27779.0.50100.10000.11970558721.1&tc=&cpctc=XXCP_CUSTOMER_TRACKING_CPXX#nbb


The key parameters are

etb-pre-approved-credit-cards-without-offer - Self explanatory, this is without offer. There is a prefic 'ETB' means yet to be or expected to be , whatever you think to yuour imagination... " Existing to the Bank" as mentioned by @theda , but surely it is not a pre approved...

CC-Acq-Noofferbase - Again self explanatory , there is no offer base.

As there is no pre approved offer , the 2nd tab changes to ' Confirm your Detials" , which is pretty much important as at this stage CIBIL enquiry hits even before going to the 3rd tab...

1688475033034.png

---------------------------------------------------​
Conclusion:

These are just a few examples, that I am getting right now, as I am pretty new into this HDFC Journey ( about 2 months old ).
There will be some other key parameters like below:

'Unconditional ' = LTF ( Probably).
.....
....,,

The main point here is , this URL decoding tells us that , we CAN get some additional info about what we are going to get in our CC application and when we can get CIBIL enquiry and when to stop before CIBIL enquiry hits...

Hope you read all my post, If you did you have great patience and you are very keen to protect your CIBIL score and HDFC CC journey in general...

Here the experts can chip in their views and URL key words for better understing of all...

WIth this I will sign off and open the floor for further discussion (if anyone is interested in )


Cheers guys and have a nice evening all........
 
Last edited:
Apply For LTF AU LIT Credit Card
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SSV said:
I applied for tata neu Infinity within one week after I got Infinia, so a floater card can be applied immediatley provided you have core card..
if you only have Swiggy card, may be you need to wait for 3 months
Click to expand...
Yesterday Millennia approved.
If I want apply swiggy Ltf card can I apply now or wait.
Will I have to do kyc again?
And heard that if you take 2 hdfc cards then limit increase offer will be difficult in future. Hdfc don't give Le who holds two cc. Is this correct?
 
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SSV said:
I applied for tata neu Infinity within one week after I got Infinia, so a floater card can be applied immediatley provided you have core card..
if you only have Swiggy card, may be you need to wait for 3 months
Click to expand...
I got RG yesterday and it is the only HDFC card I have now.
I think I’ll wait till card delivery and activation for Neu’s application.
 
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Ak Singh said:
Yesterday Millennia approved.
If I want apply swiggy Ltf card can I apply now or wait.
Will I have to do kyc again?
And heard that if you take 2 hdfc cards then limit increase offer will be difficult in future. Hdfc don't give Le who holds two cc. Is this correct?
Click to expand...
You can apply for swiggy ltf, there won't be vkyc if it is the same mobile no ,
There are a lot of theories about hdfc LE , I am not sure how true they are .
If you want swiggy apply for it otherwise leave it, that is how I approach it,
 
Last edited:
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Already have DCP but got this Freedom LTF offer in Mobile app with specially for you.

Is this a mistake or I can have 2 core cards from HDFC? Its only 4 months from previous card application , will it work? Looks useless tbh but 2 core sounds not bad


Identify Yourself
Confirm Your Details
Choose Card

Edit: It seems that you have recently applied for a credit card. Hence we will not be able to proceed with your current application.
 
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SplendorSuperman said:
Received RG today and applied Neu Infinity through Neu App at about 12:30 PM.

Card started showing in Neu App at about 8PM with temp. limit of 5000 and also got linked with UPI.

I had also mailed HDFC Grievance Redressal filled floater card form with the application ref no and primary card no.
View attachment 72988
Click to expand...
Is neu infinity Ltf?
And new enquiry is added in cibil or not for this card?
Now I have question that if I apply swiggy Ltf. Will I get tata neu cc in future?
Does hdfc provide two co-branded cards?
 
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I have no CCs with HDFC and getting the following offers:

Swiggy LTF (only when I open it through email)
Biz Grow LTF (Visa)
Biz Grow Rupay (Paid)
Biz First LTF
Freedom LTF (only through SMS/Email link)

Considering I am not looking forward / en route to INFINIA for atleast next 5-6 years, what should be my strategy going ahead with their cards?

BizBlack would make much more sense in future but wont opt for it untill it gives me ROI to recover the fees or LTF in a rare case.
 
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Ak Singh said:
Is neu infinity Ltf?
And new enquiry is added in cibil or not for this card?
Now I have question that if I apply swiggy Ltf. Will I get tata neu cc in future?
Does hdfc provide two co-branded cards?
Click to expand...
It is FYF , CIBIL Enquiry was made as soon as application was submitted.

I think you might get but you never know what goes on with HDFC.
 
Last edited:
Apply For LTF HDFC Swiggy Credit Card
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Vbhoj74 said:
I received the RG as LTF offer as well in wife's account, when I applied it was however showing me the 2500 fee, still went ahead and applied last week. They closed/declined the application saying there is a previous application (I had re-applied Infinia addon for her last month). Have written to grievances, lets see. Whats the cool off time for addon cards after which someone can apply their own card ?
Click to expand...
Wrote to escalations & the RG was approved.
 
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