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

[SSV]

This thread is in continuation to my previous thread

My Previous thread is here:

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/...

www.technofino.in

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...)




We would get the URL like below:

https://applyonline.hdfcbank.com/credit-cards

/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...

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

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


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..

https://applyonline.hdfcbank.com/credit-cards/

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...

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

Scenario 3

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





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.

https://applyonline.hdfcbank.com/credit-cards/

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

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

Scenario 4:
Clicking on another generic banner: " get 1500 amazon gift voucher" banner ( this URL is different and tells a different story)

URL looks like below and the order of tabs changed!!

https://applyonline.hdfcbank.com/credit-cards/

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...

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

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........

 

[Akashn]

See the pre approved link to check is no longer working if you are talking about specific link to your mail or hdfc customer id that's different story. Here I am talking about normal pre approved link which is universal for any one who can check and pre approved link has been removed.

You are right ✅

 

[MrJJ]

Got this url for Regalia offer from app notification.

https://applyonline.hdfcbank.com/cards/credit-cards.html?

CHANNELSOURCE=RGCC?
utm_content=MKTG&
utm_source=zineone_push&
utm_medium=mobileapp&
utm_campaign=CC-ACQ-HNW&
utm_creative=regalia&
utm_term=preferred#nbb

 

[shivamk]

@SSV currently I don't have a pre-approved offer and account is less than 3 months old. Should I check for card offers without pre-approval now, get a hard enquiry and drop off if I don't get a good card (which I am sure that HDFC won't give in 1st try)? Just thinking that will they need my CIBIL score to give me a pre-approved offer later?

 

[Akashn]

@SSV currently I don't have a pre-approved offer and account is less than 3 months old. Should I check for card offers without pre-approval now, get a hard enquiry and drop off if I don't get a good card (which I am sure that HDFC won't give in 1st try)? Just thinking that will they need my CIBIL score to give me a pre-approved offer later?

Wait for 5-6 months. Make lots of transaction using DC

 

[SSV]

@SSV currently I don't have a pre-approved offer and account is less than 3 months old. Should I check for card offers without pre-approval now, get a hard enquiry and drop off if I don't get a good card (which I am sure that HDFC won't give in 1st try)? Just thinking that will they need my CIBIL score to give me a pre-approved offer later?

give me details:
CIBIL: age, highest CL, how many cards, how many enquiries, score

 

[shivamk]

give me details:
CIBIL: age, highest CL, how many cards, how many enquiries, score

Credit age: 1.5 years
Higest CL: 7.5L ICICI, 3.75L Axis,
Number of cards: 4
Number of enquiries 3M - 1, 6M - 4, Total - 15

 

[SSV]

Credit age: 1.5 years
Higest CL: 7.5L ICICI, 3.75L Axis,
Number of cards: 4
Number of enquiries 3M - 1, 6M - 4, Total - 15

Okay, you can try once with HDFC and let them know about your CIBIL profile ..

 

[shivamk]

Okay, you can try once with HDFC and let them know about your CIBIL profile ..

Okay, will do. Thanks sirè

 

[tn_72]

@SSV

In the case 4 URL "etb-pre-approved-credit-cards-without-offer". You said there will be a CIBIL hit. But whether the cards displayed after the CIBIL hit are pre-approved? Meaning, would there be the usual due diligence process like submitting income documents and home/office verification? Asking this because I left it halfway, but then I get a SMS from HDFC "to confirm the address and proceed to get the card". I don't know if the SMS itself is a bait. I do have a savings bank account with HDFC. The main reason why I am asking this question is because the case 4 example you posted is via generic offer from net banking, which have an option to enter income figures. But you will also get the same etb-pre-approved-credit-cards-without-offer when you follow the credit card application link from hdfc expressway. But here everything will be prefilled and there won't be an option to enter income details but only work details. I followed link from hdfc expressway to check credit card eligibility. Would this mean the offers you see in the next page will be based on CIBIL plus net banking profile? If so would there be a need to submit income documents.

 

[Akashn]

@SSV

In the case 4 URL "etb-pre-approved-credit-cards-without-offer". You said there will be a CIBIL hit. But whether the cards displayed after the CIBIL hit are pre-approved? Meaning, would there be the usual due diligence process like submitting income documents and home/office verification? Asking this because I left it halfway, but then I get a SMS from HDFC "to confirm the address and proceed to get the card". I don't know if the SMS itself is a bait. I do have a savings bank account with HDFC. The main reason why I am asking this question is because the case 4 example you posted is via generic offer from net banking, which have an option to enter income figures. But you will also get the same etb-pre-approved-credit-cards-without-offer when you follow the credit card application link from hdfc expressway. But here everything will be prefilled and there won't be an option to enter income details but only work details. I followed link from hdfc expressway to check credit card eligibility. Would this mean the offers you see in the next page will be based on CIBIL plus net banking profile? If so would there be a need to submit income documents.

Now all links are different and we can't tell before otp page.. If you want to check if you really have sure shot pre approved offer then check in hdfc xpressway or emails. It will show limit before you proceed for application.

 

[tn_72]

Now all links are different and we can't tell before otp page.. If you want to check if you really have sure shot pre approved offer then check in hdfc xpressway or emails. It will show limit before you proceed for application.

The question is not about preapproved offer that you get in netbanking or hdfc expressway. But it is specifically about preapproved cards without offer which will result in a sure shot CIBIL hit.

 

[Trust Me]

The question is not about preapproved offer that you get in netbanking or hdfc expressway. But it is specifically about preapproved cards without offer which will result in a sure shot CIBIL hit.

What's the definition of a "pre-approved card without offer" ?!
.

 

[tn_72]

What's the definition of a "pre-approved card without offer" ?!
.

It is the case 4 scenario of this original post. For this there is no pre approved offer per se in netbanking/email/xpressway. But based on income details you provide and CIBIL you will get card recommendations as SSV mentioned. In my case I did not use the generic link in net banking but I followed check credit card eligibility from hdfc expressway which resulted in this link :

https://applyonline.hdfcbank.com/credit-cards/etb-pre-approved-credit-cards-without-offer.html?visitType=SSO_AUTHENTICATION_SUCCESS&Jid=e7c92ca9-eed6-4319-8696-c770b871b087_80_PACC_U_WEB&showHeader=true&themeOverride=Theme1&showFooter=true&icid=website_organic_loxw&channelSource=AX#nbb

in this case if i follow the link and proceed to next page there will be CIBIL hit but what i don't know is that whether the card suggestions you will get in next page would be preapproved or not? If I follow the link above, there is no option to enter income criteria. So was confused. Note: the link i posted is after otp authentication so if you click on the link above it will take you to the UnifiedURL form.

 

[jhanishdev]

Okay, you can try once with HDFC and let them know about your CIBIL profile ..

HDFC is basically the new SBI of India run by a bunch of illiterate egoist maniacs.

I was bombarded by HDFC atleast twice a day since a week over email. Today, I finally opened the link to find that HDFC credit department is still the nincompoop it has always been. Offering me a bizfirst card on paid basis. Closed the tab without a thought. Later, I received an SMS from

Equifax saying "Your credit information report was accessed by HDFC bank".
Then I received another message from CIBIL "Your CIBIL score and report was checked by HDFC bank".

Is this a hard inquiry? How long does it stay on the report? I will ignote it unless it is harmful to future credits requirements like Loans (atleast after 6 months to a year).

 

[SSV]

HDFC is basically the new SBI of India run by a bunch of illiterate egoist maniacs.

I was bombarded by HDFC atleast twice a day since a week over email. Today, I finally opened the link to find that HDFC credit department is still the nincompoop it has always been. Offering me a bizfirst card on paid basis. Closed the tab without a thought. Later, I received an SMS from

Equifax saying "Your credit information report was accessed by HDFC bank".
Then I received another message from CIBIL "Your CIBIL score and report was checked by HDFC bank".

Is this a hard inquiry? How long does it stay on the report? I will ignote it unless it is harmful to future credits requirements like Loans (atleast after 6 months to a year).

It is a hard enquiry ..

Details here:

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/...

www.technofino.in

 

[hakuna913]

Hello members.

I got this sms saying

" Dear Customer
Thank you for banking with HDFC Bank. We are happy to inform you of your eligibility for Lifetime Free Credit Card.
Visit
https://applyonline.hdfcbank.com/ca...m=TAN_DNC_LTF_9July&utm_creative=DNC_Rest#nbb"

It displayed a limit of 1.21lakhs. when I clicked the link I got this (screenshot).
My question is which card I will be getting? Is it truly LTF without any spend limits?

TIA

 

[BVCBVC is verified member.]

Hello members.

I got this sms saying

" Dear Customer
Thank you for banking with HDFC Bank. We are happy to inform you of your eligibility for Lifetime Free Credit Card.
Visit
https://applyonline.hdfcbank.com/ca...m=TAN_DNC_LTF_9July&utm_creative=DNC_Rest#nbb"

It displayed a limit of 1.21lakhs. when I clicked the link I got this (screenshot).
My question is which card I will be getting? Is it truly LTF without any spend limits?

TIA

You have to enter details later on you will get what card you are eligible for.

 

[Akashn]

Hello members.

I got this sms saying

" Dear Customer
Thank you for banking with HDFC Bank. We are happy to inform you of your eligibility for Lifetime Free Credit Card.
Visit
https://applyonline.hdfcbank.com/ca...m=TAN_DNC_LTF_9July&utm_creative=DNC_Rest#nbb"

It displayed a limit of 1.21lakhs. when I clicked the link I got this (screenshot).
My question is which card I will be getting? Is it truly LTF without any spend limits?

TIA

Check card from hdfc xpressway

But with 1.21L limit-

If you are salaried then you will get Millennia/Tata Neu plus
If self employed then Business Moneyback/Biz grow

 

[theflash]

I tried applying via Cashkaro have 3.4L highest CL in CIBIL and the score is around 769 as well but they're offering MB+/Swiggy/IO only 🙁 Have preferred acct as well but not maintaining any funds as of now...

 

[shivamk]

Hello members.

I got this sms saying

" Dear Customer
Thank you for banking with HDFC Bank. We are happy to inform you of your eligibility for Lifetime Free Credit Card.
Visit
https://applyonline.hdfcbank.com/ca...m=TAN_DNC_LTF_9July&utm_creative=DNC_Rest#nbb"

It displayed a limit of 1.21lakhs. when I clicked the link I got this (screenshot).
My question is which card I will be getting? Is it truly LTF without any spend limits?

TIA

URL has unconditional ltf in it, so pretty high chances that's it's truly LTF